Mortgage Resources
& Guides
Expert guides, calculators, and market insights to help you make informed mortgage decisions in Durham Region.
First-Time Buyers
First-Time Home Buyer Guide for Durham Region 2026
Everything you need to know about buying your first home in Oshawa, Whitby, Ajax, and across Durham Region. FHSA, HBP, CMHC, closing costs — step by step.
Calculators
Mortgage Payment Calculator & Affordability Estimator
Calculate your monthly mortgage payments, estimate how much home you can afford, and compare different scenarios with our easy-to-use calculators.
Market Insights
Durham Region Real Estate Market Report — Q1 2026
Latest home prices, sales trends, days on market, and mortgage rate analysis for Oshawa, Whitby, Ajax, Pickering, and all Durham Region municipalities.
Refinancing
When & How to Refinance Your Mortgage in Ontario 2026
Learn when refinancing makes sense, how to calculate your break-even point, what prepayment penalties to expect, and how to access up to 80% of your home's value.
Self-Employed
Self-Employed Mortgage Guide: Getting Approved as a Business Owner
Specialized mortgage programs for self-employed borrowers in Ontario. Stated income, bank statement programs, and alternative documentation options explained.
HELOC
Home Equity Line of Credit (HELOC) Explained
What is a HELOC, how does it work, and when should you use one? Learn about accessing up to 65% of your home's value at low mortgage rates.
Need personalized advice?
Our guides are a great start, but nothing beats a free consultation tailored to your situation.