Most homebuyers know the big banks — but there’s a whole other world of mortgage options that could save you thousands. Meet monoline lenders: the under-the-radar mortgage specialists who focus solely on home financing. They often offer lower rates, more flexible terms, and fewer hidden fees than traditional banks. If you’ve never heard of them, you’re not alone — and that’s exactly why it’s worth finding out how they can give you an edge in today’s competitive housing market

Thinking about buying a home but not sure what you can actually afford? Before falling in love with that perfect listing, take a few minutes to do an honest affordability check. In this guide, we walk you through a step-by-step process to figure out how much house fits your budget—factoring in income, debt, down payment, and today’s mortgage rates. You’ll learn how lenders calculate affordability, what hidden costs to watch for, and which free tools can give you clarity befor

Thinking about rent-to-own as a path to homeownership? With rising prices and strict mortgage rules, many Canadians are turning to this alternative. In this blog, we break down how rent-to-own works in Canada, who it's right for, what the risks are, and what you need to watch out for—so you can make a smart move toward owning your home, even if you’re not mortgage-ready today.

Private mortgages are flexible, fast-financing solutions offered by individuals, MICs, and private lenders. Ideal for borrowers with unique situations—like credit issues or non-traditional income—they focus on property equity, not just credit scores. Learn how they work and when they make sense.

Thinking about buying pre-construction in 2025? With rising construction costs, shifting market conditions, and changing mortgage rules, it’s more important than ever to understand the risks and rewards. This blog breaks down what to consider before investing in a new build condo or home, from delays and financing gaps to long-term value. Make an informed decision with Swivel Mortgage Group’s expert insights.

With over 60% of Canadian mortgages set to renew by the end of 2026, many homeowners are bracing for higher payments. While interest rates have started to come down, payment shock is still a real concern. The good news? Canada’s mortgage market remains stable, and with the right advice, you can navigate this transition smoothly.

Confused about your credit score? Learn how Equifax and TransUnion calculate your score in Canada, what lenders are looking for in 2025, and how to boost your chances of mortgage approval. This guide breaks down the factors that impact your credit, why your score may differ between bureaus, and what you can do to improve it before applying for a mortgage. Swivel Mortgage Group makes it simple, clear, and tailored to today’s market.

When mortgage myths surprise you: uncovering the truth about home financing.

Pre-Construction Buyers: Read This Before You Close! Home values are dropping, appraisals are falling short, and thousands of buyers are scrambling to come up with tens (or even hundreds) of thousands in extra down payment. In our latest blog, we unpack the real risks, share stories from the trenches, and give you expert-backed strategies to protect your investment — and your deposit.

Buying your first home in Canada just got a whole lot more affordable — especially if you're considering a newly built property. The...

Thinking about buying your first home in 2025 but not sure if now’s the right time? With interest rates, rent prices, and housing trends shifting, the rent-vs-buy debate is hotter than ever. In this blog, we break down the pros, cons, and numbers behind each option — so you can make a smart, confident decision about your next move.

If you’re thinking about upgrading your home, downsizing, or relocating, you’re probably asking yourself one big question: “How do I sell...

If you're like many Canadians, you might be feeling the pinch of rising costs and mounting debts. From grocery bills to mortgage...

If your mortgage is up for renewal this year, you're not alone. A record number of Canadians  are in the same boat, and the stakes are...

Refinancing your mortgage can be a smart financial move, but how do you know if it’s right for you? Whether you’re looking to lower your...

Learn how bond yields impact fixed mortgage rates and what it means for your mortgage decisions. Swivel Mortgage Group breaks it down in sim

What Is A Reverse Mortgage A reverse mortgage can be a vital financial tool for homeowners aged 55 or older, allowing them to access a...

As homeowners in Canada, you may have heard about reverse mortgages as a potential financial solution for those aged 55 or older. In this...