Source directory
Official mortgage sources
Primary government and regulatory references used across the site.
Mortgage qualification, debt-service considerations, and the minimum qualifying rate.
Renewing your mortgageFinancial Consumer Agency of CanadaRenewal statements, shopping around, negotiating, and switching lenders.
Breaking your mortgage contractFinancial Consumer Agency of CanadaPrepayment penalties, transaction fees, blend-and-extend, and switching costs.
Borrowing against home equityFinancial Consumer Agency of CanadaHome equity, second mortgages, home equity loans, HELOC limits, and fees.
Paying your mortgage when experiencing financial difficultiesFinancial Consumer Agency of CanadaEarly lender contact, mortgage relief measures, and the cost of extended amortization.
Mortgage brokering in OntarioFinancial Services Regulatory Authority of OntarioOntario licensing, consumer questions, complaints, and mortgage-professional checks.
Mortgage application processFinancial Services Regulatory Authority of OntarioApplication documents, credit authorization, credit reports, commitments, and fees.
Shopping for a mortgageFinancial Services Regulatory Authority of OntarioTotal cost, risks, fees, penalties, payment features, and comparison questions.
Private mortgagesFinancial Services Regulatory Authority of OntarioPrivate-mortgage costs, risks, short terms, and realistic exit strategies.
Links and descriptions reviewed August 31, 2026.