Author: GG
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CMHC Just Got Pricier – How I Keep Multifamily Projects Funded When Pro Formas Stop Working
CMHC Just Got Pricier – How I Keep Multifamily Projects Funded When Pro Formas Stop Working CMHC’s newer multi-unit insurance premium grid and capital rules are hitting in 2026, driving sharply higher costs for high-LTV, long-amortization and construction loans across Canada unless projects earn strong MLI Select discounts. At the same time, Canada’s housing starts Read more
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Ontario Receiverships Are Surging – Here’s How I Help Commercial Owners Avoid Fire-Sale Losses
Ontario Receiverships Are Surging – Here’s How I Help Commercial Owners Avoid Fire-Sale Losses Across Ontario, more commercial and development projects are sliding into receivership and distressed sales, especially in markets like the Greater Toronto Area where land deals are under severe pressure. Once a receiver or power of sale process starts, owners often lose Read more
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Small Ontario Landlord? How New 2026 Lending Rules And Rising Arrears Are Crushing Investors – And How I Can Rescue Your Cash Flow
Small Ontario Landlord? How New 2026 Lending Rules And Rising Arrears Are Crushing Investors – And How I Can Rescue Your Cash Flow In Toronto, mortgage arrears have already more than quadrupled from post-pandemic lows, with small investors in negative-cash-flow rentals feeling the squeeze the most. Many families leveraged their primary homes to buy multiple Read more
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Your Mortgage Renews in 2026? Why Many Ontario Homeowners Face 15–20% Higher Payments And How I Can Help You Fight Back
Your Mortgage Renews in 2026? Why Many Ontario Homeowners Face 15–20% Higher Payments And How I Can Help You Fight Back If your mortgage renews in 2026, you could be looking at monthly payments that are 15–20% higher than what you locked in during the low-rate years. Across Canada, millions of borrowers are rolling off Read more
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Power-of-Sale Wave Is Quietly Destroying Ontario Homeowners’ Equity. Let me help!
Power-of-Sale Wave Is Quietly Destroying Ontario Homeowners’ Equity. Let me help! Power-of-sale listings are quietly spiking across Ontario, driven largely by rising delinquencies and aggressive enforcement from private lenders, and many of these homes are now being dumped “as is” with repeated price cuts that reset neighborhood values lower every few weeks. I’m seeing more Read more
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Your Inherited Home Could Sit Empty For A Year While Bills Keep Coming
Your Inherited Home Could Sit Empty For A Year While Bills Keep Coming Across Canada, probate delays mean many inherited homes sit vacant for months while heirs still have to cover taxes, insurance, utilities, and sometimes mortgage payments, because title cannot transfer until the court grants probate. In Ontario, probate processing can be as fast Read more
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Goeasy Meltdown: The Ugly Truth Behind “High Yield”
Goeasy Meltdown: The Ugly Truth Behind “High Yield” Goeasy’s massive loan write‑offs, dividend suspension, and sudden share price collapse expose what really happens when subprime growth outruns risk management and underwriting discipline. Their LendCare auto and powersports portfolio has turned into a credit shock, forcing huge charge‑offs, pulled guidance, and a permanent wake‑up call for Read more
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Your 2026 Mortgage Renewal Could Destroy Your Cash Flow
Across Canada, headlines say interest rates are “holding,” but renewal and qualification stress is still brutal: discounted fixed and variable mortgage rates remain in the mid-3% to mid-4% range, and borrowers rolling off ultra-low pandemic rates are getting payment shocks. Forecasts now suggest the Bank of Canada may sit at current levels for much of Read more