The mortgage market in 2025 isn’t what it used to be. If you’re buying a home, renewing a mortgage, or investing in property in Ontario this year, the rules of the game have changed—and staying ahead means understanding the shifts that matter.

You’ve found a home you love. You’ve run the numbers. You’re ready to get a mortgage. But then comes a surprise—you’re told you need to pass a mortgage stress test first.

Most people focus on getting the lowest mortgage rate. But there’s another, often overlooked, way to save thousands of dollars over the life of your mortgage—and that’s by using your prepayment privileges.

Mortgage rates in Ontario have been on a rollercoaster over the past few years. Whether you’re buying your first home, renewing your mortgage, or considering a refinance, it’s more important than ever to understand how these rates actually affect your monthly payments, long-term costs, and financial strategy.

Mortgage rates in Ontario have been on a rollercoaster over the past few years. Whether you’re buying your first home, renewing your mortgage, or considering a refinance, it’s more important than ever to understand how these rates actually affect your monthly payments, long-term costs, and financial strategy.

Your mortgage renewal might not sound exciting—but it’s one of the most important opportunities to save money and improve your financial position.

In Ontario, nearly 60% of homeowners just sign the lender’s renewal offer without asking questions. And that often means leaving thousands of dollars on the table.

If you have bad credit, the idea of getting approved for a mortgage might feel out of reach. Maybe you’ve had missed payments, a high credit card balance, or went through a tough financial period. But here’s the good news: bad credit doesn’t mean no mortgage. It just means you need the right strategy—and the right mortgage partner on your side.

 

Being self-employed in Canada comes with a lot of freedom—but when it’s time to apply for a mortgage, that freedom can sometimes feel like a disadvantage. If you’re running your own business, freelancing, or earning income from contracts or side hustles, you may already know that lenders don’t always see your income the way you do.

If you’re buying a home in Ontario, you’ve probably asked yourself: should I go with a fixed-rate or a variable-rate mortgage?

It’s one of the most important decisions in your mortgage journey—because it impacts how much you’ll pay every month, how your payments can change over time, and how confident you’ll feel about your financial future.

The good news? Once you understand the difference, the choice becomes a lot easier. Let’s break it down.

Buying your first home in Ontario can feel overwhelming with acronyms, down payment rules, and mortgages floating around. This guide breaks it down clearly—so you know exactly what to expect and how to make confident decisions.

Navigating Ontario’s mortgage landscape—whether in Mississauga, Brampton, Toronto, or beyond—can feel like choosing between buffet and à la carte dining. On one side: familiar banks; on the other: mortgage brokers with a far broader menu. Let’s break down the real differences so you can make an informed decision—and see why Anton Mortgage stands out.

If 2024 was the year of uncertainty, 2025 is shaping up to be the year of recalibration. With rate cuts underway, home prices adjusting, and affordability back in the spotlight, the Canadian mortgage landscape is shifting—and fast.

Whether you’re a first-time buyer, an investor, or looking to renew or refinance, staying ahead of the trends can help you make smarter, more confident decisions. Here are the top mortgage trends to watch in Canada in 2025.

You’ve found the perfect home. You’re ready to apply for a mortgage. But then — you hear about something called a mortgage stress test. What is it? Why does it matter? And how does it impact how much home you can afford?

When you’re looking for a mortgage, you’re not just choosing a rate — you’re choosing a strategy that will shape your financial future for years. And one of the most important decisions in that process is who you work with: a mortgage broker or a bank.

Interest rates are more than just numbers on the news — they directly affect your monthly payments, your total interest over time, and in many cases, your ability to qualify for the mortgage you want. Whether you’re a first-time buyer, renewing soon, or thinking about refinancing, understanding how interest rate changes impact your mortgage is key to staying in control of your finances.

If you’re like most Canadian homeowners, your mortgage is one of the biggest financial commitments you’ve made. But here’s the thing most people don’t realize: your mortgage isn’t a one-and-done deal. Just because you signed for a certain rate or term years ago doesn't mean you have to stick with it forever. That’s where refinancing comes in.

Getting pre-approved for a mortgage isn’t just a “nice-to-have”—it’s one of the smartest first steps you can take when starting your homeownership journey.

If you're planning to apply for a mortgage in 2025, improving your credit score is one of the most powerful moves you can make. The difference between an average and a great score could mean tens of thousands saved over the life of your mortgage.

Buying a home is likely one of the biggest financial decisions you’ll ever make. Whether you’re a first-time homebuyer or refinancing your current property, avoiding costly mortgage mistakes in 2025 is more important than ever.

Choosing between a fixed and variable mortgage rate in 2025 isn’t just about the numbers—it’s about choosing peace of mind, financial flexibility, and aligning your mortgage strategy with your life goals.