Ontario Mortgage Decision Centre
Choose the concern closest to yours. The useful answer may depend on the documents, property, timing and lender policy—not simply whether one lender said yes or no.
Find the answer from your problem
Separate the real lender concern from assumptions.
Income · credit · debt ratios · property · down paymentShow me where to start →02Show how the business earns before choosing a lender route.
A lending · bank statements · financials · T1 approachShow me where to start →03Understand the bureau, timing and cause—not only the score.
Equifax · TransUnion · utilization · collections · recoveryShow me where to start →04Compare the complete decision before signing early.
Rate · payment · penalty · switching cost · flexibilityShow me where to start →05Match the purpose, cost and exit plan to the right structure.
Debt consolidation · renovations · investment · CRA debtShow me where to start →06Test the rental calculation and portfolio effect by lender route.
Subject rent · existing rentals · cash flow · reservesShow me where to start →07Work backward from the deadline and available equity.
Appraisal · funds to close · job change · urgent alternativesShow me where to start →How the answer is built
Buying, selling or investing?
Property type, legal use, insurance, appraisal, taxes, condo information and closing dates can change the mortgage answer. Connect both sides before the transaction becomes difficult to reverse.
Need a focused review?
Tell Rajiv what you are trying to accomplish and what the lender has already said. He can help identify the questions and responsible options worth exploring next.
Published mortgage guidance
Use the guided situations above or search every published answer, concept and strategy.
Rule
Title fraud can involve forged documents and an unauthorized transfer or mortgage, making identity protection and title monitoring important.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
Read the practical answer →Rule
Canadian tax rules can create purchaser liability and withholding when a non-resident sells taxable Canadian property without the required certificate.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
Read the practical answer →Rule
Ownership and mortgage responsibility are related but not identical, and lender policy, tax and legal consequences must be reviewed before closing.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
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Estate authority, probate, title and closing timing can be uncertain even when the buyer’s mortgage qualification is strong.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
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A power of attorney may authorize property decisions, but the document, capacity, lender policy and lawyer’s verification all matter.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
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Differences between legal names on identification, credit, purchase documents and title can require corrections or supporting evidence.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
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Ontario matrimonial-home rights can affect a sale or mortgage even when one spouse alone is the registered owner.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
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Unpaid property taxes can change lender approval, legal payouts and net proceeds, and serious arrears can create enforcement risk.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
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Registered claims and executions can interfere with title, mortgage priority and the amount available from closing proceeds.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
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A title search can reveal ownership, mortgages and registered interests that must be understood or cleared before mortgage funds are released.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 7, 2026
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