Mortgage Resources
Plain-language guides, calculators, and explainers from an FSRA-licensed Ontario brokerage. Every piece is written to Canadian rules — semi-annual compounding, CMHC thresholds, the stress test, and the 80% refinance cap.
HB Mortgage Centre is FSRA Brokerage #13449. Nothing here is an offer, approval, or financial advice. All estimates are for planning purposes only.
Guides & Situational Help
Mortgage guides covering buying, refinancing, equity access, credit recovery, and specialty situations in Ontario.
First-Time Home Buyer (Ontario)
Programs, costs, and steps for first-time buyers in Ontario — from pre-approval to closing.
OpenMortgage Refinancing
When refinancing makes sense, the 80% LTV rule, and how to compare the penalty against the savings.
OpenMortgage Renewal
What happens at renewal, how to compare offers, and when switching lenders pays off.
OpenHome Equity Line of Credit
How a HELOC works, the combined LTV limit, and when it makes sense versus a second mortgage.
OpenHome Equity Loan
Lump-sum equity access as a second mortgage — rates, costs, and how it differs from a HELOC.
OpenDebt Consolidation
Rolling high-interest debt into your mortgage — the math, the trade-offs, and when it helps.
OpenSecond Mortgage
How second mortgages work, who qualifies, and the difference between private and bank lenders.
OpenSelf-Employed Mortgage (Ontario)
How income is assessed for self-employed borrowers and what to prepare before applying.
OpenMortgage with Bad Credit
Realistic options for borrowers with bruised credit, explained without judgment.
OpenStop Power of Sale (Ontario)
What power of sale means in Ontario and what options exist to stop or delay it.
OpenEmergency Mortgage Financing
Fast-close private mortgage options for time-sensitive situations in Ontario.
OpenMortgage After Bankruptcy (Ontario)
How long you need to wait and what lenders look for after a bankruptcy discharge.
OpenMortgage After Consumer Proposal
Qualifying for a mortgage after a consumer proposal — timelines, lenders, and credit rebuilding.
OpenMortgage Renewal Declined
What to do when your lender declines to renew — and where to go next.
OpenSpousal Buyout Mortgage (Ontario)
Buying out a spouse's share of the home during separation — how it works and what to expect.
OpenReverse Mortgage Overview
How reverse mortgages work in Canada, who qualifies, and what the costs are.
OpenReverse Mortgage Rates
How reverse mortgage rates are set and how they compare to conventional mortgage rates.
OpenReverse Mortgage vs HELOC
Side-by-side comparison of the two main ways to access equity in retirement.
OpenCHIP vs Independent Broker
What the CHIP provider offers versus what an independent broker can access.
OpenFamily Guide to Reverse Mortgages
A plain-language guide for adult children and families navigating the reverse mortgage decision.
OpenReverse Mortgage & Government Benefits
How reverse mortgage income affects OAS, GIS, and other government benefits.
OpenWhat Happens When You Die
How a reverse mortgage is repaid at death and what the options are for the estate.
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Calculators & Tools
Free Ontario mortgage calculators built to Canadian rules.
Mortgage Payment Calculator
Estimate your regular payment by home price or loan amount, with multiple frequency options.
OpenAffordability Calculator
Estimate how much home you can qualify for based on income, debts, and the stress test.
OpenDown Payment Calculator
Calculate your minimum down payment and whether CMHC default insurance applies.
OpenRefinance Calculator
Estimate available equity and your new payment when refinancing within the 80% LTV cap.
OpenAmortization Calculator
See your full amortization schedule and compare different payoff periods.
OpenHELOC Calculator
Estimate how much you can borrow on a home equity line of credit.
OpenView All 15 Calculators →
Payment, affordability, refinance, HELOC, debt consolidation, reverse mortgage, and more.
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