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Beat the Fall Rush: Why Late Summer Is the Best Time to Get Your Mortgage Pre-Approval
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...

Swivel Mortgage Group
2 days ago3 min read


What Your Parents Never Told You About Building Wealth in Canada
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

Swivel Mortgage Group
Aug 193 min read


Why You’ve Never Heard of a Monoline Lender (And Why You Might Want One in Your Corner)
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

Swivel Mortgage Group
Aug 123 min read


Can You Afford That Home? A Step-by-Step Affordability Check
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

Swivel Mortgage Group
Aug 52 min read


Is Rent-to-Own the Right Path to Homeownership for You?
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.

Swivel Mortgage Group
Jul 303 min read


"The Real Cost of a Private Mortgage: What You Need to Know Before You Sign"
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.

Swivel Mortgage Group
Jul 232 min read


Is Pre-Construction Still Worth It in 2025? What Buyers Need to Know
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.

Swivel Mortgage Group
Jul 163 min read


Is a Mortgage Crisis Coming to Canada in 2025? Here’s What You Need to Know
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.

Swivel Mortgage Group
Jul 103 min read


Credit Score Confusion? Here’s How Equifax and TransUnion Actually Score You
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.

Swivel Mortgage Group
Jul 23 min read


5 Mortgage Myths That Could Cost You Big in 2025
When mortgage myths surprise you: uncovering the truth about home financing.

Swivel Mortgage Group
Jun 253 min read


New Construction Crisis: Why Some Canadians Can’t Close on Their Homes — And What You Can Do About It
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.

Swivel Mortgage Group
Jun 183 min read


First-Time Homebuyers: The GST Rebate on New Builds Explained
Buying your first home in Canada just got a whole lot more affordable — especially if you're considering a newly built property. The...

Swivel Mortgage Group
Jun 113 min read


Rent vs. Buy in 2025: Should You Take the Leap?
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.

Swivel Mortgage Group
Jun 52 min read


Buying and Selling a Home at the Same Time? Here’s What You Need to Know About the Mortgage Side of Things
If you’re thinking about upgrading your home, downsizing, or relocating, you’re probably asking yourself one big question: “How do I sell...
Sung Lee
May 303 min read


Feeling the Financial Squeeze? How Refinancing Could Help You Breathe Easier
If you're like many Canadians, you might be feeling the pinch of rising costs and mounting debts. From grocery bills to mortgage...
Sung Lee
May 232 min read


Mortgage Renewal in 2025: How to Avoid Overpaying and Make the Right Move
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...
Sung Lee
May 123 min read


Thinking About Refinancing? Here’s Everything You Need to Know!
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...
Sung Lee
Feb 43 min read


How Bond Yields Affect Fixed Mortgage Rates in Canada
Learn how bond yields impact fixed mortgage rates and what it means for your mortgage decisions. Swivel Mortgage Group breaks it down in sim
Sung Lee
Nov 12, 20243 min read


Understanding Reverse Mortgages in Canada
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...
Sung Lee
Jul 16, 20246 min read


Is a Reverse Mortgage Right for You?
As homeowners in Canada, you may have heard about reverse mortgages as a potential financial solution for those aged 55 or older. In this...
Sung Lee
May 13, 20243 min read
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