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Blog - Calum Ross - Toronto Mortgage Expert | Mortgage & Real Estate
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Save Money by Converting Your Secured Lines of Credit into a Mortgage

Are you real estate rich and liquid capital poor? It’s a situation far too many home owners and real estate find themselves in these days. Everything you do when it comes to building your wealth with real estate relies on liquidity. If a costly home repair like a broken furnace or a leaky roof appears […]

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Why a Falling US Stock Market Lowers US and Canadian Mortgage Rates….

Typically, when stock markets decline, we also see a decrease in mortgage rates (and vice versa), and many ask the question, “Why does this happen?”. The key thing to keep in mind for mortgage consumers or bond market investors is that bond (debt) markets and stock (equity) markets basically compete for investment dollars at any

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Is Paying of Your Mortgage Bad for Your Net Worth? Things that make you stop and think….

RRSP/Investing vs Mortgage Pay Down In a society where financial planning education and free financial resources are as readily available as fast food, it is difficult to believe that most people do not understand how to use their cash flow and capital effectively. When determining many people’s top financial objectives, many people select building their

Is Paying of Your Mortgage Bad for Your Net Worth? Things that make you stop and think…. Read More »

Why Paying off Your Mortgage May Be Bad for Your Net Worth

INVESTING VERSUS MORTGAGE REDUCTION… HERE IS HOW TO DO THE MATHIn a society where financial planning education and free financial resources are as readily available as fast food, it is unfortunate to know that most people actually do not understand how to use their cash flow and capital effectively. When determining many people’s top financial

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Fixed vs Variable Mortgage Decision… here is how to do the math!

Year over year perhaps the most contested issue in the mortgage market is the age old decision of choosing between fixed and variable rate mortgage. Hundreds of thousands of dollars of personal financial research dollars has been poured into making the case and giving the final decisive pearl of wisdom to consumers. What I am

Fixed vs Variable Mortgage Decision… here is how to do the math! Read More »

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How to Protect Your Payments and Monthly Cash Flow with Today’s Rising Mortgage Rates

What you will learn in this article: 1)      How mortgage rates work; 2)      What is happening to mortgage rates now; and 3)      How to protect yourself from higher rates and tighter mortgage lending now As we all know, real estate financing plays a central role in the affordability of real estate to most Canadians. In

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