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Blog by Keith Uthe Demystifying Mortgages
  • The Smith Maneuver: The Loophole Canadian Real Estate Owners Use To Lower Taxes

    Author: External Author | Dec 29, 2021 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , First Time Home Buyers , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits:   Better Dwelling , https://betterdwelling.com/

    Article Written By:  Stephen Punwasi

    Original Article Posted on:  Dec 27, 2021

    Link to Original Article:  https://betterdwelling.com/the-smith-maneuver-the-loophole-canadian-real-estate-owners-use-to-lower-taxes/amp/

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  • Average Toronto Home Prices Forecast to Rise Another 6% in 2021

    Author: External Author | Dec 30, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Home Mortgage , Mortgage Broker , mortgage interest , Mortgage Refinancing , Mortgage Specialist , Second Mortgage

    Original Article Source Credits:  Toronto Storeys  , https://torontostoreys.com/

    Article Written By:  Ainsley Smith

    Original Article Posted on:  December 2, 2020

    Link to Original Article:  https://torontostoreys.com/toronto-home-prices-increase-2021-remax/

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  • First Phase of Ontario’s ‘Modernized’ Real Estate Rules Officially in Effect

    Author: External Author | Oct 14, 2020 | Categories: Certified Real Estate Investment Adviser , Home Mortgage , Mortgage Associate , Mortgage Broker , Mortgage Refinancing , Mortgage Specialist , Second Mortgage

    Original Article Source Credits:   Toronto storeys , https://torontostoreys.com/

    Article Written By:   Ainsley Smith

    Original Article Posted on:  October 1, 2020

    Link to Original Article:  https://torontostoreys.com/first-phase-ontario-real-estate-rules-tresa/

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  • Real Estate Investors Skip Paying Loans While Raising Billions

    Author: External Author | Sep 09, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Construction Mortgage , Debt Consolidation , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits: Yahoo Finance , https://ca.finance.yahoo.com/

    Article Written By: John Gittelsohn

    Original Article Posted on: August 24, 2020

    Link to Original Article:  https://ca.finance.yahoo.com/news/real-estate-investors-skip-paying-110000020.html

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  • Bank of Canada Lowers Benchmark Qualifying Rate to 4.79%

    Author: Keith Uthe Demystifying Mortgages | Aug 16, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Bank of Canada Lowers Benchmark Qualifying Rate to 4.79 - Blog by Keith Uthe Demystifying Mortgages

    For the second time since the beginning of the pandemic, the Bank of Canada has lowered the benchmark qualifying rate a further .15% to 4.79%. For a buyer with an annual income of $80,000 that is approximately $6,300 of additional mortgage space compared to the previous qualifying rate of 4.94% and approximately $11,000 more than the qualifying rate of 5.04% that was in place at the beginning of the pandemic.

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  • Bank of Canada expected to hold overnight target rate

    Author: External Author | Jul 02, 2020 | Categories: Construction Mortgage , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits: The chronicle herald , https://www.thechronicleherald.ca/

    Article Written By : Myke Thomas

    Original Article Posted on : Jun 19

    Link to Original Article:  https://www.thechronicleherald.ca/lifestyles/homes/bank-of-canada-expected-to-hold-overnight-target-rate-464282/

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  • How The New Mortgage Qualification Rules Could Soon Affect HomeBuyers

    Author: Keith Uthe Demystifying Mortgages | Jun 30, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    How The New Mortgage Qualification Rules Could Soon Affect Home Buyers - Blog by Keith Uthe Demystifying Mortgages

    In response to the COVID-19 pandemic and in an attempt to protect the economic future of Canadians, the Canadian Mortgage and Housing Corporation (CMHC) announced in early June that it would be tightening its qualification rules for mortgage insurance from July 1, 2020.  Fortunately, they are two other mortgage insurers: Genworth and Canada Guarantee and neither of them are changing their qualification rules.

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  • One in 20 Homeowners Have Missed a Mortgage Payment Due to COVID-19

    Author: External Author | Jun 03, 2020 | Categories: Mortgage Associate , Mortgage Broker , mortgage preapproval , mortgage prequalifying , Mortgage Refinancing , Rental Property Financing , Second Mortgage

    Original Article Source Credits: Canadian mortgage trends , https://www.canadianmortgagetrends.com/

    Article Written By : Steve Huebl

    Original Article Posted on : April 22, 2020

    Link to Original Article:  https://www.canadianmortgagetrends.com/2020/04/one-in-20-homeowners-have-missed-a-mortgage-payment-due-to-covid-19/

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  • CMHC expands Insured Mortgage Purchase Program

    Author: External Author | May 20, 2020 | Categories: Home Mortgage , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Specialist , Second Mortgage

    Original Article Source Credits: Cision  , https://www.newswire.ca/

    Article Written By : NA

    Original Article Posted on : Mar 26, 2020

    Link to Original Article:  https://www.newswire.ca/news-releases/cmhc-expands-insured-mortgage-purchase-program-816774510.html

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  • The Different Types Of Mortgages Available To You

    Author: Keith Uthe Demystifying Mortgages | Apr 08, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    The Different Types Of Mortgages Available To You - Blog by Keith Uthe Demystifying Mortgages

    Are you planning to buy a new house but don’t know where to begin when it comes to financing it? If you’re struggling to make sense of the mortgage system and the different options available, you’re not alone. Mortgages can be complicated if you aren’t aware of how they work. Moreover, it isn’t easy to make the right decisions based on your needs and capabilities if you don’t understand what your choices are. To help you make sense of mortgages, Keith Uthe Demystifying Mortgages has explained the different types of mortgages available to you.

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  • Canada's Mortgage Stress Test To Get An Overhaul In April

    Author: External Author | Mar 18, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits: HuffingtonPost, https://www.huffingtonpost.ca/

    Article Written By Canadian Press

    Original Article Posted on :2/18/2020

    Link to Original Article: https://www.huffingtonpost.ca/entry/mortgage-stress-test_ca_5e4c2e67c5b6eb8e95b3bcc2

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  • Latest in Mortgage News: Meridian Credit Union Raises $125 Million

    Author: External Author | Mar 11, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits:Canadian mortgage trends,https://www.canadianmortgagetrends.com/

    Article Written By Steve Huebl

    Original Article Posted on : February 26, 2020

    Link to Original Article: https://www.canadianmortgagetrends.com/2020/02/latest-in-mortgage-news-meridian-credit-union-raises-125-million/

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  • Busted! Don’t Believe These Myths About Mortgages

    Author: Keith Uthe Demystifying Mortgages | Mar 06, 2020 | Categories: Certified Real Estate Investment Adviser , Construction Mortgage , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Second Mortgage

    Busted! Don’t Believe These Myths About Mortgages - Blog by Keith Uthe Demystifying Mortgages

    One of the most intricate and difficult parts of the home-buying venture is the mortgage process. While most prospective homebuyers hire a mortgage agent to assist them with the process, there are many who avoid enlisting the services of a mortgage agent because of the myths and misconceptions they’ve come across. 

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  • Canada Relaxes Mortgage Qualification Rules as Rates Fall

    Author: External Author | Mar 04, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits:bloomberg, https://www.bloomberg.com/

    Article Written By  Chris Fournier

    Original Article Posted on : February 19, 2020

    Link to Original Article: https://www.bloomberg.com/news/articles/2020-02-18/morneau-eases-stress-tests-for-canadian-insured-mortgages

    Read More


  • New Mortgage Stress Test Announcement Lacks Clarity and Protection for Consumers!

    Author: Keith Uthe Demystifying Mortgages | Mar 02, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    New Mortgage Stress Test Announcement Lacks Clarity and Protection for Consumers! - Blog by Keith Uthe Demystifying Mortgages

    The problem with this new stress test is that the central bank is still allowing the 6 central banks to dictate the average interest rate that will be used as the benchmark stress test. This is unfair to those that know they get better rates and products from monoline lenders.

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  • Five Tips To Help You Improve Your Finances In 2020

    Author: Keith Uthe Demystifying Mortgages | Jan 29, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Five Tips To Help You Improve Your Finances In 2020 - Blog by Keith Uthe Demystifying Mortgages

    A New Year brings another opportunity to cultivate healthy financial habits and manage your money better. When you consult a mortgage expert, you will receive unbiased advice on how to make wise investments and help set you up for the future. As a mortgage broker or specialist in Calgary, Alberta, I, Keith Uthe, want to ensure you become more financially secure, and to do so, I have put together a list of five tips to help you improve your finances in 2020.  

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  • Bank of Canada Holds Steady On Prime Lending Rate

    Author: Keith Uthe Demystifying Mortgages | Jan 22, 2020 | Categories: Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Bank of Canada Holds Steady On Prime Lending Rate - Blog by Keith Uthe Demystifying Mortgages

    The Bank of Canada has once again decided to hold the prime lending rate at 1.75%.  What this means for borrowers is that the prime rate used for most lenders is 3.95% in calculating adjustable/variable-rate mortgages.  Contact me with questions or requests for more information.  https://globalnews.ca/news/6445742/bank-of-canada-rate-announcement-jan-22-2020/

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  • Are Debt Problems Preventing You from Getting Ahead?

    Author: Keith Uthe Demystifying Mortgages | Sep 20, 2019 | Categories: Construction Mortgage , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Second Mortgage

    Are Debt Problems Preventing You from Getting Ahead - Blog by Keith Uthe Demystifying Mortgages

    Debt is a familiar battle people are faced with today as they depend on credit to bridge almost every financial gap from buying groceries to purchasing a house and even getting an education. As a result, debt instruments like mortgages and credit cards have become a norm to improve living standards. This isn’t necessarily a bad thing, however, getting into debt without a financial plan or an exit strategy can eat away your savings and push you to the point of irreversible financial distress. 

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  • Busted! Don’t Believe These Mortgage Myths!

    Author: Keith Uthe Demystifying Mortgages | Aug 20, 2019 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Busted Don’t Believe These Mortgage Myths - Blog by Keith Uthe Demystifying Mortgages

    If you’re considering purchasing a house or investing in real estate, chances are you need to obtain a mortgage to fulfill your dream. Your knowledge of the various mortgage products and lenders may be limited, which may make selecting the right option a little challenging. 

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  • Why You Should Choose Keith Uthe Demystifying Mortgages!

    Author: Keith Uthe Demystifying Mortgages | Jun 28, 2019 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Licensed Mortgage Agent , Mortgage Associate , Mortgage Broker , mortgage prequalifying , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Why You Should Choose Keith Uthe Demystifying Mortgages

    Most home buyers understand that the path to home ownership is through a mortgage. However, to avoid the additional costs, many miss out on the opportunity to enlist the services of a mortgage advisor. Also known as an independent broker, these professionals simplify the mortgage process and take care of all the leg work involved.

    Read More


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  • First Time Home Buyers
  • Home Mortgage
  • Licensed Mortgage Agent
  • Lowest mortgage rate
  • Mortgage Associate
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  • Mortgage Specialist
  • Rental Property Financing
  • Second Mortgage

Recent Posts

  • The Smith Maneuver: The Loophole Canadian Real Estate Owners Use To Lower Taxes
  • Average Toronto Home Prices Forecast to Rise Another 6% in 2021
  • First Phase of Ontario’s ‘Modernized’ Real Estate Rules Officially in Effect
  • Real Estate Investors Skip Paying Loans While Raising Billions
  • Bank of Canada Lowers Benchmark Qualifying Rate to 4.79%
  • Bank of Canada expected to hold overnight target rate
  • How The New Mortgage Qualification Rules Could Soon Affect HomeBuyers
  • One in 20 Homeowners Have Missed a Mortgage Payment Due to COVID-19
  • CMHC expands Insured Mortgage Purchase Program
  • The Different Types Of Mortgages Available To You
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Copyright © 2022
101, 6420 6A Street SE Calgary, AB T2H 2B7.

Free Guides

Powered By Webware.io
  • Receive Rate and Market Updates
  • Get prequalified in 2 mins
  • Home
  • About Us
  • Residential Mortgages
    • Residential Mortgages
    • First Time Home Buyers
    • Refinance
    • Switch / Transfer
    • Debt Consolidation
    • Equity Lending
    • Construction Mortgages
    • Commercial Mortgages
    • Business Financing
    • Private Lending
    • Real Estate Investment Advising
    • Rental Property Financing
    • Renovation Financing
    • Flip Financing
    • Spousal Buyout
  • Service Areas
    • Service Areas
    • Calgary
    • Red Deer
    • Lethbridge
    • Edmonton
    • Medicine Hat
    • Across Canada
  • Testimonial
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  • Credit Repair
  • Corporate Mortgage Rate
  • Smith Manoeuvre Mortgages
  • Blog
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