Your Mortgage Renews in 2025 or 2026. Here Is Exactly What to Do Before You Sign Anything.
Over one million Canadian homeowners are facing renewals at significantly higher rates. Most will accept the first offer from their bank. Here is what that decision actually costs.
Recent Articles
Incorporated in Ontario? Here Is How Your Business Structure Affects Your Mortgage Approval.
Most lenders assess incorporated borrowers differently than salaried employees. Net income, add-back income, and retained earnings all play a role depending on your structure.
The FHSA and RRSP Home Buyers Plan in 2026: How to Stack Both and Maximize Your Down Payment.
The FHSA and RRSP Home Buyers Plan can be combined. Here is the actual math on how much you can pull forward.
Variable or Fixed in 2026: The Real Numbers Behind the Decision Nobody Talks About.
Variable is lower today. Fixed gives you certainty. Here is the breakeven analysis I walk every client through.
How to Finance Your Second Property in Ontario Without Derailing Your Primary Mortgage.
Adding a rental property requires a specific strategy. Here is how rental offset income works and which lenders are investor friendly.
Less Than Two Years Self Employed in Canada? You Have More Options Than Your Bank Is Telling You.
Banks often decline self-employed applicants with fewer than 24 months of history. Alternative lenders exist for exactly this situation.
Your Bank Deposits Can Qualify You for a Mortgage. Here Is How B Lenders Use Bank Statement Income.
If your tax returns do not reflect what you actually earn, bank statement income qualifying may be the solution. Here is how it works.
From the Desk of Carina: What I Am Watching in the Market This Summer and What It Means for You.
Rate announcements, lender policy shifts, and what I have been seeing on the ground across Ontario files this season.
How to Access Your Home Equity in Ontario: Refinancing, HELOCs, and When Each One Makes Sense.
Significant equity sitting in your home can be put to work. Here is exactly how a refinance and a HELOC differ and when each one is the right tool.
Why Breaking Your Bank Mortgage Costs So Much, and How to Avoid It.
IRD penalties at the major banks can reach $25,000 on a standard Ontario mortgage. Here is exactly why, and how to structure your mortgage to avoid this.
What Is a HELOC and Why Every Property Investor in Ontario Should Understand One.
A Home Equity Line of Credit is one of the most powerful tools available to Ontario investors. Here is how it works and how to use it to build a portfolio.
Your Credit Score and Your Mortgage: What the Minimum Numbers Actually Are by Lender Type.
A lenders, B lenders, and private lenders all have different thresholds. Here is the clear breakdown and what to do in the 6 months before you apply.
Canadian Living Abroad? Here Is How to Get a Mortgage in Canada When You File Taxes in Another Country.
Non-residents face a 35% down payment requirement, foreign income verification, and different lender eligibility. Here is exactly how it works.
Mortgage Calculators
0.5% on first $55K
1.0% on $55K to $250K
1.5% on $250K to $400K
2.0% on $400K to $2M
2.5% over $2M
First-Time Buyer Rebates
Ontario: up to $4,000
Toronto: up to $4,475
5% to 9.99% down: 4.00%
10% to 14.99% down: 3.10%
15% to 19.99% down: 2.80%
20% or more: No CMHC
About Carina
Carina Shnorhokian
I am a Mortgage Agent Level 2 licensed with DLC FC Funding, serving clients across Ontario. My practice is built around the files most agents find difficult: self-employed borrowers, incorporated business owners, investors financing second and third properties, and clients whose bank has already said no.
Recognized by Canadian Mortgage Professional magazine as one of Canada's Top 75 Mortgage Professionals in 2024, I focus on finding the right lender for your specific situation rather than the easiest path to a commission. With over 15 years of client relationships, I work across purchase, renewal, refinance, and complex income structures.
I am also a licensed real estate agent in Florida, serving cross-border clients and Canadians investing in the US market through Carina Sells Florida.
Ready to get started?
Apply through the secure Velocity portal or reach out to Carina directly.