by Yahya Mehmood | Oct 8, 2026 | Uncategorized
Most guidance on how to become a private lender in Ontario is framed around an individual investor placing surplus capital into a single broker-arranged mortgage. That model is adequate for occasional, isolated exposure. It becomes insufficient once an investor...
by Yahya Mehmood | Sep 21, 2026 | Real Estate
Most guides on rental property investing start from a single door: 20% down, a bank mortgage, a spreadsheet with cap rate and cash-on-cash return. That framework holds up fine for a first or second property. It stops holding up the moment you’re financing your...
by Yahya Mehmood | Sep 21, 2026 | Mortgages
A closed mortgage locks you into a lower rate in exchange for prepayment restrictions. An open mortgage removes those restrictions and charges a premium for it, typically 1.5% to 2.5% higher. Almost every mortgage in Canada is closed; open terms are a short-term tool,...
by Yahya Mehmood | Sep 21, 2026 | Mortgages
Alternative lending is mortgage financing from lenders outside Canada’s major banks, think B-lenders, private lenders, and mortgage investment corporations (MICs), who qualify borrowers on the strength of their overall financial picture and their equity, rather...
by Yahya Mehmood | Sep 21, 2026 | Mortgages
If your mortgage renewal is denied, your loan doesn’t disappear and your home isn’t seized the next day — your mortgage simply comes due on its maturity date, and you have a window to arrange new financing, whether that’s with a different lender, a...
