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For most people, buying a home is the biggest purchase they’ll ever make—and an incredibly meaningful one, too. More than a shelter and an investment, homes hold our memories and our loved ones; it’s where we build our future; where we feel safe and at peace.

Unfortunately, for all the beautiful things homes represent, the process of actually buying a house can be anything but. It’s often fraught with complexities and paperwork that make the entire experience more daunting than exciting. We want to change that. With this step-by-step guide, we hope to simplify the process of buying a home in Canada and make it more enjoyable for first-time buyers.

Before you go any further, you have to be 

 honest with yourself about whether you’re actually ready to own a home.

“Readiness” checklist for first-time home buyers

So, what does "ready" look like? For starters, to be a homeowner you have to be financially stable—that means a stable job with regular income coming in every month to cover your mortgage expenses. Being “ready” is also about understanding the advantages 

disadvantages of owning a home. Homeownership has a ton of hidden financial and emotional costs that you’ll need to prepare for.


Here’s a quick checklist of financial costs associated with owning a home:

One-time costs like the down payment, closing costs, land transfer fees, etc.

Ongoing costs like your mortgage payments, property taxes, insurance, routine repairs and maintenance.

Major repairs and renovations, which almost 

 homes will eventually need, such as a roof replacement or a foundation repair.

Possible increases in monthly mortgage payments if interest rates go up.


From an emotional standpoint, ask yourself:

Are you ready to commit to one place for an extended period of time?

Are you comfortable with most (or all) of your savings going into one investment?

Are you ready to devote time to ongoing home maintenance like replacing HVAC filters, mowing a lawn, shovelling snow from the sidewalk, and so on?

Not sure if you’re ready to buy a house in Canada? Check out the video below that will help you decide if you’re ready to buy your first home.

Homebuyer Guide - Are You Ready To Own A Home?

Mortgage Resources for Automated Email Journey Landing Pages 

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The spring 2023 market is going to be much different than last year. With the Bank of Canada putting rate hikes on hold and prices dropping, there’s new opportunity out there for buyers, sellers and those coming up for renewal. Here are just a few worth exploring with your Mortgage broker:


If you’ve been waiting to buy, now’s a good time to qualify for a home. Prices have dropped an average of 15-20% from the peak last year. Key markets across Canada are expected to drop even further this year, with Desjardins projecting drops between 35- 50% across the more affordable areas of southern Ontario, for example, helping many get into the market with only a 5% down payment on properties under $1Million.


the mortgage payment today is roughly the same as the mortgage payment one year ago when housing prices were higher, and rates were lower? Plus, there’s less competition and a down payment required. This creates a unique opportunity for move-up buyers that have been sidelined because of fierce competition and higher rates to get into a home this spring. And if the stress test still stops you from qualifying, we can look at specialized lender products with a lower qualification rate (20% down payment required).


For those who couldn’t find a home they love because the listings stalled last year, the spring market will bring you some fresh new options, especially in Toronto, Calgary, Montreal and Vancouver.  In the GTA alone, Urbanation has estimated that a record number of completions are expected for condos (32,000) and purpose-built apartments (7740).


There are options for renewal clients facing higher rates as well. If you have a renewal coming up in the next 18 months, you might want to consider a refinance to reduce your monthly payment or get access to better terms that will allow you to move into a lower rate more easily once they start to come down. A refinance can also help you to take out equity to pay down debt,  add to your emergency fund, or pay for renovations to increase the value of your home.


If you are considering buying a pre-construction unit or have already put down a deposit and are worried about higher rates and lower values, there are lender solutions available to help. This includes extended rate guarantees that will protect you from rising interest rates for a longer period of time.


There are a record number of Canadians entering retirement. Many are facing higher interest rates, higher shelter costs, and lower returns on their savings because of the current economic environment.  If you’re retiring this year and would like to learn more about how a reverse mortgage can help supplement your income, cover off debt, or give you a financial boost to pay for the things you’ve been hoping for - travel, a new car, a vacation home -  please get in touch to learn how this tax-free, payment-free program can help.


Buyers are looking for homes with rental opportunities to increase their cash flow, lower their payments and pay down the mortgage faster. If you’re thinking of selling, let’s discuss your new products and options to access cash to add a rental suite and sell for top value.


Thinking about cosigning for a loved one to help them buy a home? It’s a great way to help improve a loved one's mortgage application, but there can be drawbacks for the co-signer you should know about. Let’s talk first before you sign on the dotted line to ensure you are not limiting your future borrowing power or putting your credit rating at risk.


These are just a few of the opportunities we are seeing already for this spring market. To discuss your mortgage options based on your current goals and financial picture, reach out to a Pineapple broker today. Pineapple helps make it possible.

2023 Spring Opportunities 

What Is A Reverse Mortgage? (How Reverse Mortgages Work In Canada)

If you’re a senior homeowner, you’ve probably heard of a reverse mortgage before. Many retirees take out a reverse mortgage to boost their retirement income, but it often surprises people to learn that you can use a reverse mortgage for so much more than that. It can be used to pay off debts while staying in your current home, help younger family members purchase their own first home, and even to purchase your dream vacation property.

Below, we’ll deep dive into how exactly a reverse mortgage works, all the ways you (and your loved ones) can benefit from a reverse mortgage, and things to carefully consider before applying for one.

Put simply, a reverse mortgage is a loan product that allows any homeowner who is over the age of 55 to borrow up to 55 percent of the value of their home. Unlike a regular mortgage product that you use to buy a home, a reverse mortgage does not require you to make any loan payments. In fact, you don’t have to pay anything back until you either sell your home or pass away.

A reverse mortgage works more like a line of credit than a traditional mortgage. Instead of the homeowner making payments to the lender, the lender makes payments to the homeowner. Like we mentioned above, the homeowner can borrow up to 55 percent of the value of their home, and they get to choose how to receive their money—as a lump sum, regular installments, or a combination of both.

As with a regular mortgage, the home is the collateral for a reverse mortgage. When the homeowner sells the house or passes away, the reverse mortgage will need to be paid in full including the accumulated interest. In most cases, the proceeds from the home’s sale goes to the lender to repay the reverse mortgage’s principal, interest, mortgage insurance, and fees.

It’s worth noting that the homeowner only pays interest on the money actually spent, so just because you can take out 55 percent of your home’s value, you don’t necessarily have to. You can draw on it as needed and the interest is rolled into the loan balance so that you don’t have to pay anything up front. You only 

 to pay when you sell the house or pass away. 

You heard right—you don’t have to make any payments until you decide to leave the house or the last surviving spouse on title leaves the property. Of course, at this time you’ll have to pay back the mortgage in full, which can be done from the proceeds of your home’s sale, and any remaining money once paid out is yours (or rather, your beneficiaries) to keep. You can also elect to make payments over the life of the loan if you choose, but it’s not required.

As far as rates go, reverse mortgage rates are higher than conventional mortgage products or lines of credit. The reason is that homeowners don’t have to make any regular payments, which makes it a riskier option for lenders. Lenders solve this risk with a higher interest rate. Still, reverse mortgages have lower interest rates than other loans you might consider.

The reverse mortgage interest rate and the closing and administrative cost are added together to determine the annual percentage rate (APR). The APR is calculated by determining what the total interest cost would be over a five-year period, then adding the closing fee, and turning that total cost into an annual rate.

Here’s an example of how the APR would be calculated for a reverse mortgage:

Similar to conventional mortgages, reverse mortgages are available in both fixed terms and variable terms. Variable rates fluctuate over the course of the term, whereas fixed rates are set for a determined period of time. Fixed-rate reverse mortgages are available for a six-month, 1-year, 3-year, or 5-year period. Homeowners typically prefer longer periods, but you should talk to your mortgage specialist to see what the best option is for you! 

How Do You Qualify For A Reverse Mortgage In Canada?

The Canadian government makes it easy for homeowners over the age of 55 to qualify for reverse mortgages. Unlike all other mortgage products, lenders don’t typically review your income or credit as part of their approval process for a reverse mortgage. (In fact, if you’ve recently suffered a consumer proposal, a reverse mortgage could be a great way to pay off that debt!)

. You have to be 55 years of age or older to qualify.

 You must own your home outright or have at least 50% equity of the home. This must also be your primary residence, and you have to be living here for a minimum of 6 months. 

. The home must be valued at a minimum of $200,000 in Canada.

There’s a lot of misinformation out there about reverse mortgages. The truth is a reverse mortgage is an excellent way to get the funds you need to stay in your home as long as you like and to fuel your retirement savings. But that’s not all you can do with your proceeds.

Here are some of the other ways you can use your proceeds from a reverse mortgage:

 The OAS/CPP and other government benefits you receive can help cover expenses but it’s rarely enough. A reverse mortgage can help you tap into your biggest nest egg—your home—to provide you with the income you need to cover all your expenses and live comfortably. 

Repay high-interest debts (e.g. other mortgages).

 You can use the proceeds from the initial advance to pay off your existing mortgage and any other liens registered against your property. 

 How does spending half the year down south during the winter sound? Put a reverse mortgage on your current home and use the money to purchase a vacation property.

 Short on the down payment to buy a new home? Use the down payment from the sale of your current home to buy the property, and then add a reverse mortgage on the new home to avoid taking out a new mortgage.

 If you’re facing unexpected renovation or moving costs in retirement without the budget to cover it, a reverse mortgage can provide the money you need.

Help a family member buy their first home.

 If a child or grandchild cannot save enough for a down payment to buy a home, you can add a reverse mortgage to your home and use some of the money to help them buy their first home.

. Wouldn’t you love to travel the world and not have to worry about digging too deep into your retirement savings? Your reverse mortgage can fund that, too!

A reverse mortgage is a unique loan that allows senior homeowners to borrow money in a relatively straightforward way—and to use the money however they want. But like any other loan, it has a few drawbacks, too. Here’s a complete overview of the pros and cons of a reverse mortgage.

You don’t have to make monthly mortgage payments.

The money you borrow is tax-free and does not affect your Old-Age Security or Guaranteed Income Supplement.

You can decide how you want to receive the money.

You can decide how you want to spend the money.

You can age in place, in the home you love.

You maintain ownership of your home and therefore can continue to benefit from surging Canadian home values if you decide to sell your house down the line.

You don’t have to pay back the loan or interest costs until you sell the home or pass away.

As you accumulate interest on your loan, equity in your home will go down and your debt load will increase.

Interest rates are higher than typical mortgage rates.

The only way to get out of a reverse mortgage is to sell your home or pass away. You’ll be subject to a penalty if you sell the home or pass away within three years of taking out the reverse mortgage. (However, this penalty reduces over time and essentially disappears after five years. And if you need to move into a care home before the maturity date is due, the prepayment penalty is reduced.)

A reverse mortgage, like a regular loan, could impact your ability to borrow more money in the future, so if you use it toward helping your children it’s important to have a financial plan and budget in place to cover your future costs.

If you pass away, the amount you borrowed plus interest must be repaid within a specified period of time. If your spouse has already passed, this means your beneficiaries will have to pay your mortgage in full. If they do not have the money on hand to do so they would need to sell the property and pay out the amount from the proceeds. (The good news is that property values in Canada have been increasing, and any appreciation made on the home is yours, so that means there should be enough money left over from the sale of the property to pay off the loan 

 for your beneficiaries to have inherited something.)

Two financial institutions officially offer reverse mortgages in Canada: HomeEquity Bank, with its “CHIP” reverse mortgages, and Equitable Bank, which offers reverse mortgages in select major cities. Recently, however, a number of other lenders have sprung up offering a range of programs based on the term length and the type of advance—ad/hoc, pre-scheduled, or upfront lump sum preferred.

It’s important to keep in mind that reverse mortgages come with costs that may include a set-up fee and a home appraisal charge. Taking out one of these loans is not a light decision, so it’s wise to seek out professional advice from a mortgage specialist.

If you’re interested in learning more about reverse mortgages, reach out to Pineapple’s experienced mortgage brokers—we’re here to understand your unique needs, match you with the right product, and negotiate the best deal on your loan on your behalf.

What is a reverse mortgage? 


These are mortgages when you are putting less than 20% down. You will be required to pay a mortgage loan insurance premium from either CMHC, Genworth or Canada Guarantee.


These are mortgages with 20% or more down and meet all the same criteria as insured mortgages, such as Owner Occupied Residence, under $1M in value and a 25-year amortization.


These are mortgages that don’t meet the above criteria such as rental properties, properties over $1M and 30 Year amortization.

Contact your Pineapple Mortgage Agent or Broker for more information on the home-buying process and what else you need to consider when purchasing a property!

Types of Mortgages

Whether you’re buying a new home or investment property, or simply refinancing your existing mortgage, certain documents are required to complete the transaction. By taking a moment to ensure you have all the documents on this list, you’ll help us to finalize your mortgage faster.

Information that describes the property you are buying:

Savings or investments statement for the last 90 days

Sale of an existing property: a copy of the sale agreement

Withdrawal from RRSP under Home Buyer’s Plan

Other income: Legal agreements to support a spousal or child support payment

If you currently own your home, information related to your existing property/properties:

Documents verifying heating costs and condo fees

Legal description of your property – you can find this on your property tax statement or original purchase agreement

Name, address, and telephone number of your solicitor/notary

Contact your mortgage agent or broker for more information on costs to consider when purchasing a property!

Mortgage Documents

My role in our relationship is to ensure you have the right solutions available to you. I can assist you with possibly building wealth through real estate and other strategies we can implement throughout your mortgage life. I will be reaching out to you via email with important information regarding your options as a homeowner.

Please do not hesitate to contact me at any time with questions you might have.

Congratulations

Congratulations On Being A Homeowner

Percentage allowed to make additional payments without penalty

Reduce interest costs over the term, saving you thousands of dollars

Saving potential penalties while continuing on with your current interest rate

Allow a potential buyer to benefit from a low-interest rate

Saves you potential repair and maintenance costs

Mortgage Options

What few people know is that a prepayment strategy on your mortgage can be the best way to save money and get a guaranteed return on your home. This is why having the right prepayment privileges as part of your mortgage contract is essential. 

Early payments can be made in a variety of ways: paying a lump sum, making an extra payment each month, or making an extra payment every payment.

Prepayment on a mortgage has two attractive effects: you’ll pay less money overall in interest and you’ll pay down the entire mortgage faster.

Additionally, prepaying a mortgage can be comparable to making an investment with a guaranteed financial return.

Due to the high-interest rates and stock market volatility, you could be more likely to generate a better return by paying down your mortgage. For example, if your current investments or cash in savings are generating you a lower return than the interest rate you are paying on your mortgage, it’s likely that paying down your mortgage will outperform both.

Let’s say you have an outstanding mortgage balance of $500,000 at an interest rate of 5% and your mortgage is being amortized over 25 years. Your monthly payment is $2908.

If you were to renew your mortgage every 5 years at 5% interest and simply make your regular payments over the next 25 years, you will pay an extra $372,409 in interest. So your $500,000 mortgage is now really $872,409, nearly double.

That’s a lot of lost money and investment opportunities each year.

Now let’s look at what would happen if you used your prepayment privileges to pay down your mortgage early.

Let’s say you decide to increase your mortgage payment by 

 at the time you take out the initial mortgage. All else being equal, the total interest you would have paid is now $269,269 and you would have paid it off in the 18th year. You will have essentially saved $103,140 in interest over the life of that mortgage by making $108,000 in early payments directly to the principal. 

Let’s look at using a lump sum each year. Let’s say you get an annual bonus and decide to make a 

. You’d be done paying your mortgage off on the 20th year, and would essentially have made $90,000 worth of early payments to your mortgage principal, saving you $81,208 in interest over the life of that mortgage.

Instead of paying all that extra interest, you are now seeing a guaranteed return back in your pocket from your home.

Summary: when interest rates are low, leveraging the low rates and investing in other areas is often more beneficial. In higher-rate

environments like today, paying down mortgage debt could be a guaranteed way to save you more money in the long run.

How Pre-Payment Privileges Can Get You A Guaranteed Return

Finding the right investment opportunity can change your financial future. No matter the scenario, there are always solutions, and it’s our job to find you the right one.

There are several ways to increase the equity in your investment property. You can also utilize strategies to pay down your mortgage faster to increase your equity and overall net worth.

When you fully understand the cash flow of a property, you may elect to forgo some of the positive cash flow in favour of increasing your mortgage payment. Most mortgage lenders will allow you to increase your mortgage payment up to double the minimum monthly payment. This increase in payment helps to pay down the principal balance, increase equity and reduce the interest paid on your mortgage over time.

Changing your mortgage payments from monthly to accelerated weekly or bi-weekly payments can help you increase your equity by paying down your mortgage balance faster. This not only saves you interest but can reduce the life of your mortgage by up to a year or more!

Additionally, your mortgage lender may allow you to pay up to 20% of the original principal balance of your mortgage each year. Using tax savings or refunds, quarterly/annual bonuses or monthly/annual cash flows from your investment property, you can reduce the balance of your mortgage, increasing your equity and net worth.

Mortgage Payment Strategies to Increase the Cash Flow

Some mortgage products may allow portions of or the entirety of your mortgage payment to be converted into interest-only payments. This strategy allows you to increase the cash flow of a property and its profitability while having the effect of reducing the amount of principal paid down on an investment but allows you to increase the cash flow of a property and increase its profitability.

:
Teresa and Kai’s monthly mortgage payment is $3000. With an interest-only payment option, their monthly payment is $2700 which is $300 less than the traditional mortgage payment option.

Some mortgage products allow you to skip a mortgage payment at predetermined dates. Skipping a mortgage payment allows you to collect a greater portion of your profit or reduce the liability of a vacancy during a payment period. The skipped payment, which includes principal and interest is added to the balance of the loan. Used strategically, this can significantly increase your annual cash flow from an investment property.

Renting additional parking spaces, renting roof space to billboard and telecom companies

Using renovations or zoning changes to convert single-household units to triplex units. 

Contact your Pineapple Mortgage Agent or Broker for more information on property investment tips. 

Property Investment Tips

While your credit score is important, it is only one of several pieces of information an organization will use to determine your creditworthiness.

For example, a mortgage lender would want to know your income as well as other information in addition to your credit score before it makes a decision.

The main factors involved in calculating a credit score are:

Your used credit vs. your available credit

Number of inquiries into your credit file

You may see different scores if you look at your credit scores based on data from both national credit reporting agencies (Equifax and TransUnion). This is completely normal. Each credit bureau has multiple scoring algorithms and lenders typically request only one of them when making decisions. While all score versions have the same purpose (to predict the likelihood that people will pay their bills), the calculations have some differences.

There are many different scoring models and this is a general breakdown of the factors the models consider:

Your credit history includes information about how you have repaid the credit you have already been extended on credit accounts such as:

Home equity loans and mortgage loans for primary, secondary, vacation, and investment properties

In addition to reporting the number and type of credit accounts that you’ve paid on time, this category also includes details on late or missed payments, public record items and collection information.

Your credit history will also detail how many of your credit accounts are delinquent in relation to all of your accounts on file.

For example, if you have 10 credit accounts (known as “tradelines” in the credit industry), and you’ve had a late payment in 5 of those accounts, that ratio may impact your credit score.

A key part of your credit score analyzes how much of the total available credit is being used on your credit cards, as well as any other revolving lines of credit. A revolving line of credit is a type of loan that allows you to borrow, repay, and then reuse the credit line up to its available limit.

Also included in this factor is the total line of credit or credit limit. This is the maximum amount you could charge against a particular credit account, say $2,500 on a credit card.

This section of your credit file details how long your credit accounts have been in existence. The credit score calculation typically includes both how long your oldest and most recent accounts have been open.

In general, creditors like to see that you’ve been able to properly handle credit accounts over a period of time.

Anytime an individual’s credit file is accessed for any reason, the request for information is logged on the file as an inquiry. Inquiries require the consent of the individual and some may affect the individual’s credit score calculation.

The only inquiries which may impact a credit score are those related to active credit seeking (such as applying for a new loan or credit card).

These inquiries are known in industry jargon as “hard pulls” or “hard hits” on your credit file. The hard inquiry may be the leading indicator, the first sign of financial distress that appears on the credit file. Of course, not every inquiry is a sign of financial difficulty, and only a number of recent inquiries, in combination with other warning signals on the credit file should lead to a significant decline in a credit score.

Your credit score does not take into account requests a creditor has made for your credit file or credit score in order to make a pre-approved credit offer, or to review your account with them, nor does it take into account your own request for a copy of your credit history. These are some examples of “soft inquiries” or “soft pulls” of your credit.


Contact your Pineapple Mortgage Agent or Broker for more information on the home-buying process and what else you need to consider when purchasing a property!

Understanding Credit

Homeownership is an achievable dream that you can start working towards right now!

Over the next few months, I will take you through the process of becoming a First-Time Homebuyer via email. I will provide you with resources and educate you on everything you need to know to get this exciting process started.

Please do not hesitate to reach out to me with any questions you might have.

Together, we can make your homeownership dreams a reality!

Journey To Becoming a First-time Homebuyer

Unique Mortgage Solutions For Rising Rates

It’s no secret that interest rates have jumped quite significantly this year. With no end to rising rates in sight, we thought now would be a great time to talk about the mortgage products on the market today that can help you qualify more easily and provide you with more options.

Whether you’re looking to buy a home this year or get ready to switch your mortgage when the interest rates start to go back down, it’s good to know about the available mortgage options out there that will help you to qualify more easily, boost your borrowing power and even save more monthly. Let’s look at the 3 best products on the market today that will help you do that.

If you’re stressed about the stress test, you’ll be happy to learn that you might be able to skip it altogether. Mortgage brokers work with lenders that qualify their clients on the contract rate and not the federally regulated stress test. These lenders also have larger debt servicing ratios which means more borrowing power.

This real-life example showcases a client qualifying for a home with an income of $150,000 and monthly debts of $1,000 (credit card payment and car payment), who was hoping to purchase a property in the GTA

For calculation purposes, this scenario uses annual taxes of approximately $5,000 and typical heating costs)

Non-B20 Compliant lender – is a lender that is not required to follow the federal regulations that set out the stress test qualification.

As you can see, the difference between the two is a much easier qualification and a boost in GDS/TDS ratios that would also allow for a significantly higher mortgage amount.

Qualify on contract rate vs. the greater of 5.25% or 2% plus contract rate.

Non-B20 compliant lenders often have higher GDS/TDS ratios allowing you to qualify for larger mortgage amounts

Multiple lender options offering different rates and terms

Alternative lenders require a minimum 20% down payment

Slightly higher interest rate likely vs. a prime lender option

Some lenders may charge a fee, but there are options with no fee so speaking with a mortgage broker can help

Want to learn which lenders offer these programs? Connect with a Pineapple mortgage broker today.

Since most buyers put all of their money into the down payment, this option can be a big help if you plan to renovate, purchase furniture, or upgrade some of the features. A cash-back mortgage can provide you with a lump sum of money right when the mortgage closes. How much can you receive? Between 1 and 7%.

If you’re hoping to buy an $850,000 home and you have a $170,000 down payment, you could qualify for:

This cash back amount is tax free and automatically included in the mortgage payment, so each monthly payment you make will go to paying it back. The only down side is that it comes with a slightly higher rate, usually 1 to 2% higher than a non-cash back fixed-rate option.

What happens if you decide to break your mortgage contract early (before it is paid off)?

You’ll be required to pay a portion of the amount back. For example, if you arranged a 5-year term and would like to switch to a different lender on your third year, you would be required to pay back $13,600.

The good news is you will likely be able to restructure your refinance to include this amount so you don’t have to pay anything directly out of pocket.

Pay back your mortgage and the cash-back loan at the same time with the monthly mortgage payment.

Multiple lender options offering between 1 to 7% so you can shop around with your Pineapple mortgage broker for the best rates and terms.

Often require solid employment and a good credit score to qualify.

Fixed rate mortgage option only – no variable option – and lenders will have max cash back limits.

A mortgage broker can calculate the numbers for you to show you whether it’s better for you to use a cash-back mortgage vs. a standard one based on your current and future needs.

If another lender is offering a better rate and terms, you can move your current mortgage balance and remaining amortization over. When you do this, the new lender will pay out the older lender and register a new mortgage. If your mortgage is not yet up for renewal, there will be a prepayment penalty and other fees involved, such as a discharge fee, legal fees and appraisal costs. However, some lenders will reimburse you for these fees as an incentive to earn your business.

Below is a real-life example of a client with a 1-year term on a 25-year amortization period loan with a high-interest rate of 3.89% who took advantage of switching to a lender with a lower rate option through a switch/transfer promotion.

Take advantage of lower interest rates and save thousands of dollars over the term of the mortgage.

To obtain better terms than your current mortgage, for instance, porting options, lower IRD penalties, 3-months interest rate penalty, etc.

To get access to better prepayment privileges such as higher payment increases, double up options, and higher lump sum payment options.

It is not the same as a refinance – you cannot change the amortization or amount of the mortgage.

Slightly higher interest rate vs. a prime lender option.

Some lenders may charge a fee, but there are options with no fee so speaking with a mortgage broker can help.

Not all lenders offer switch/transfer promotions. Find out which ones have the best options by connecting with a Pineapple broker today.

Pineapple is here to simplify the mortgage process and ensure you’re always the best product for your financial goals. Speak to one of our brokers today who will help guide you in the right direction.

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Mortgage Resources

Homebuyer Guide - Are You Ready To Own A Home?

2023 Spring Market Opportunities For You

What Is A Reverse Mortgage? (How Reverse Mortgages Work In Canada)

Types of Mortgages

Mortgage Documents

Congratulations On Being A Homeowner

Mortgage Options

How Pre-Payment Privileges Can Get You A Guaranteed Return

Property Investment Tips

Understanding Credit

Journey To Becoming a First-time Homebuyer

Unique Mortgage Solutions For Rising Rates

Building Your Long-Term Rental Portfolio

Homebuying Process

Costs of Homeownership Guide

Property Purchase Process

Are You Financially Ready for Homeownership?

Mortgage Application: What to Expect

Mortgage Pre-Payment

Mortgage Basics

Mortgage Penalties

Congratulations On Being A Homeowner

Homebuyer Budget Template for Current Expenses

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Brokers

Resources

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