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Free guides · 46 guides · read free

Mortgage knowledge, on the house.

46 in-depth guides — 632 pages of senior-broker thinking, free to read right here. No signup required; a real advisor follows up only if you ask.

46 guides| 632 pages| Free to read, no signup| FSRA-licensed authors

The First-Time Buyer Roadmap

From renting to keys — a step-by-step Canadian guide

28 pages· 14 min

The Renewal Playbook

How to beat your bank's first offer by 30-60 bps

22 pages· 11 min

The Refinance Decision Framework

When the math actually works — and when it doesn't

24 pages· 12 min

46 guides · 632+ pagesNot sure which one? Ask Maya

All (46)🏠 First-time buyers (7)🔄 Renewals (1)💰 Refinance (10)👔 Self-employed (0)🌍 New to Canada (1)🏢 Investors (2)🏚️ Credit recovery (23)💼 For agents (2)

Featured guides

The First-Time Buyer Roadmap

28 pages· 14 min

From renting to keys — a step-by-step Canadian guide

The Renewal Playbook

22 pages· 11 min

How to beat your bank's first offer by 30-60 bps

The Refinance Decision Framework

24 pages· 12 min

When the math actually works — and when it doesn't

The First-Time Buyer Roadmap

From renting to keys — a step-by-step Canadian guide

28 pages 14 min

The Renewal Playbook

How to beat your bank's first offer by 30-60 bps

22 pages 11 min

The Refinance Decision Framework

When the math actually works — and when it doesn't

24 pages 12 min

Buying Your First Home as a Newcomer to Canada

PRs, work-permit holders, and international credit

26 pages 13 min

Building a Real Estate Portfolio in Canada

From your first rental to your tenth

36 pages 18 min

Mortgage After Credit Trouble

No judgment. Just the path forward.

20 pages 10 min

The Mortgage Squad Advisors Commission Blueprint

Up to 100% — published splits, no negotiations

How to Become a Mortgage Underwriter in Canada

The role, whether you need a licence, the pay, and the path to your first job

The Private Mortgage Guide (Canada)

Rates, fees, qualification, risks and exit plans — how private financing really works

Private Mortgage vs. the Alternatives

Bank vs. B-lender vs. private vs. HELOC vs. refinance — which one fits your file

How Foreclosure Works in Canada

Province-by-province timelines, the redemption period, and how to stop a foreclosure

What Is an Alternative Mortgage in Canada?

The plain-language guide to alternative lending — who it helps and the three tiers

How to Refinance From a B-Lender to an A-Lender

The 12–24 month exit strategy from alternative financing back to prime

How Much Does an Alternative Mortgage Cost?

B-lender and private rates and fees, the all-in cost, and how to keep it down

Judgment vs. Writ vs. Lien

What each one is, how it affects your title, and how to clear it

Can I Refinance With a Writ on My Property?

Yes — and the refinance is how the writ comes off your title

Can I Get a Mortgage With a Judgment?

Yes, from an alternative lender — and the mortgage pays the judgment off

How to Remove a Lien From a Property

Pay it, refinance to pay it, dispute it, or let it expire — which route fits

How Does a Judgment Affect a Mortgage?

The two ways a judgment hits a mortgage — credit and title — and the fix

What Is a Writ of Seizure and Sale?

What a writ does to your home, and how to clear it before a sale

Active vs. Discharged Consumer Proposal

How your mortgage options change by proposal stage

Can You Pay Off a Consumer Proposal With Home Equity?

The calculation framework, a worked example, and when it's worth it

How to Rebuild Credit After a Consumer Proposal

The step-by-step rebuild that turns a lender's no into a yes

How Long After a Consumer Proposal Can I Get a Mortgage?

The realistic timeline for private, B-lender and A-lender financing

How to Refinance CRA Tax Debt Before a Lien Is Registered

Use the clean-title window to clear CRA at the lowest cost

How CRA Liens Affect Mortgages

What a CRA lien is, why banks decline it, and how equity clears it

Mortgage Options for HST/GST Debt

Why HST/GST debt is urgent, and how a refinance clears it

How to Refinance Back to an A-Lender After Clearing CRA Debt

The conditions, the timeline, and how to get to prime pricing

How to Stop a Property Tax Sale

The realistic ways to redeem before a municipal tax sale

Can You Get a Mortgage With Property Tax Arrears?

Yes, from an alternative lender — the equity-first path explained

The Ontario Property Tax Arrears Timeline

From missed payment to tax sale, stage by stage (Ontario)

How Soon After Bankruptcy Can I Get a Mortgage?

The realistic timeline by lender tier — private, B and A

How to Rebuild Credit After Bankruptcy for a Mortgage

The step-by-step rebuild that turns a lender's no into a yes

Bankruptcy vs. Consumer Proposal for a Mortgage

How each affects credit, timing and your path back to prime

The FHSA Playbook

The First Home Savings Account, maximized

The Down Payment Playbook

Every legitimate source, Canadian-correct

CMHC Insurance, Explained

Premiums, Sagen & Canada Guaranty, and the PST trap

Ontario Land Transfer Tax Guide

Provincial + Toronto MLTT + first-time rebates

The Pre-Approval Guide

Pre-qualification vs. pre-approval, and the rate hold

The Stress Test Survival Guide

B-20, the qualifying rate, and how to pass

HELOC & the Smith Manoeuvre

Unlocking equity, the tax-smart way

The Reverse Mortgage Guide (55+)

Tax-free equity without selling

Power of Sale in Ontario

Your options before it's too late

Mortgage Solutions for CRA Tax Debt

Settle the debt before the lien

Bad Credit & B-Lender Mortgages in Ontario

Get in now, plan the exit to A-pricing

CMHC MLI Select for Multifamily

Up to 95% LTV + 50-year amortization

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