The 2025 Federal Budget brings key changes for Canadian homebuyers and homeowners — from proposed GST relief on new builds to tax clarity and long-term housing supply plans. Here’s what matters most for your mortgage and real estate decisions today, explained in plain language.

The “forever home” era is over. Today’s Canadians are choosing homes that fit their lifestyle now — not a 30-year plan. From remote work to right-sizing and financial strategy, discover why flexibility is the new foundation of homeownership.

Over the past decade, the average GTA home price climbed from about $640K to roughly $1.1M. While many waited for “the right time,” homeowners gained hundreds of thousands in equity simply by being in the market. This post breaks down what happened, why waiting has been the most expensive decision for many buyers, and what the next decade could mean for anyone still on the sidelines.

Canadians are turning to Google for mortgage answers — from down payment rules to choosing between fixed and variable rates. In this guide, we break down the most searched mortgage questions and provide clear, up-to-date answers to help you buy or refinance your home with confidence.

AI is transforming the mortgage industry, but it’s not replacing brokers anytime soon. From faster approvals to smarter policy matching, technology is helping make home financing more efficient — while the human touch remains essential. Here’s what Canadians need to know about how AI is reshaping mortgages, and why expert advice will always matter

Ontario’s minimum wage just rose to $17.60/hr—but homeownership is still tough. The average Ontario detached home is over $1M, yet some cities like Durham, Windsor, and Kitchener-Waterloo still offer homes under $1M. Safe, livable, and with strong job markets, these areas prove that owning a detached home in Ontario is still possible if you know where to look.

Buying your first home in Canada as a newcomer can feel overwhelming, but it doesn’t have to be. From understanding mortgage requirements to tips on building credit and saving for a down payment, this guide will walk you through every step so you can feel confident starting your new life as a Canadian homeowner.

Thinking about buying your first home or investment property in Ontario? From Toronto and the GTA to York Region, Hamilton, Ottawa, and beyond, every neighbourhood offers unique opportunities—and challenges. This guide breaks down the best areas for first-time buyers and investors, highlighting affordability, growth potential, and lifestyle perks. Find out where your money can go further in today’s market.

With Canada’s latest jobs report showing major losses and unemployment climbing, all eyes are on the Bank of Canada’s September 17 rate decision. Will rates be cut to give borrowers relief, or held steady to keep inflation in check? We break down what both outcomes mean for homeowners, buyers, and investors in Ontario and Alberta — and how Swivel Mortgage Group can help you prepare.

Ontario or Alberta — which housing market is the smarter move this fall? Ontario offers long-term stability but higher prices, while Alberta delivers affordability, space, and strong rental potential. Learn the latest market insights and discover which option fits your goals best. Swivel Mortgage Group breaks it down in simple terms so you can buy with confidence this season.

Summer’s Almost Over… But Your Home Search Doesn’t Have to Be As the days get shorter and the back-to-school buzz kicks in, many...

Most of us grew up hearing the same money advice: “Save for a rainy day,” “Don’t take on too much debt,” or “Work hard and you’ll be fine.” While well-meaning, these lessons often left out the bigger picture of how real wealth is actually built in Canada today. The truth is, wealth isn’t just about saving every penny — it’s about making your money work harder than you do. From leveraging smart debt to investing in real estate and understanding tax advantages, there are strate

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.