The Mudrick Blog
Practical mortgage advice written by people who do this every day.
Self-Employed Mortgages in Ontario: How Lenders Actually Look at Business-for-Self Income
If you're self-employed in Canada, you've probably been told getting a mortgage is harder. It is, but it's not the wall most people think it is.
What the Bank of Canada Did This Spring and What It Means for Your Mortgage
The BoC has been on hold for most of 2026 after a heavy 2024-2025 cutting cycle. Here's what that means for variable, fixed, and renewing borrowers right now.
The Ontario Mortgage Stress Test in 2026: What It Actually Means for You
The stress test trips up more buyers than anything else. Here's how it works, what it costs you in buying power, and how to work around it.
5 Things Your Bank Won't Tell You When Your Mortgage Comes Up for Renewal
Your bank is not on your side at renewal time. Here's what they're counting on you not knowing.
HELOC vs. Second Mortgage in Canada: Which One When You Need to Tap Equity
Both let you tap your home equity, but they work very differently. Here is when each one makes sense, what they actually cost, and the trap most people don't see.
Physician Mortgages in Ontario: The Advantages Most Doctors Don't Know About
If you're a doctor, dentist, or medical professional in Ontario, you qualify for mortgage options that most people can't access. Here's the breakdown.
Variable vs. Fixed Rate in Canada: Our Honest Take for 2026
We get asked this constantly. The honest answer isn't what most people expect - and it depends a lot on your specific situation.
Buying Your First Home in Toronto or Newmarket: A No-BS Guide for 2026
Between stress tests, land transfer taxes, CMHC insurance and closing costs - first-time buying is confusing. This guide cuts through the noise.
How to Break Your Mortgage Early Without Getting Crushed by Penalties
Penalties can cost $10,000-$30,000+ if you're not careful. Here's exactly how they're calculated and what your options actually are.
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