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.
Answer
A new vehicle payment can reduce mortgage qualification before closing. Learn how to test payout, closing funds and responsible lender options.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 1, 2026
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Job loss before closing can reopen a mortgage approval. See what to disclose, what to recalculate and how responsible A, alternative or temporary routes may be tested.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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A pre-approval can change before funding. Diagnose the change, protect the closing timeline and compare responsible A, alternative, MIC or private routes.
Reviewed by Rajiv Verma Mortgge Broker · Sep 8, 2026
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A practical way to distinguish missing funds from an unacceptable source or incomplete paper trail—and compare responsible closing options.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 1, 2026
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A practical way to separate a credit-history decline from a debt-service problem and compare responsible A, B and short-term private options.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 1, 2026
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A practical private-to-B-to-A roadmap based on measurable income, credit, debt, property and timing milestones.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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Compare a second mortgage with refinancing using the penalty, net proceeds, combined payments, holding-period cost and exit.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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When a private-mortgage exit slips, re-test the payout, equity, lender qualification and backup before maturity pressure builds.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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A second mortgage may be timed with the first maturity, but coordinated dates need a measurable refinance or repayment plan.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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MIC and individual private lenders use different capital structures, but the actual mortgage commitment determines client fit.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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