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.

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.

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.

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.

House hunting is thrilling! But between open houses, bidding wars, and location scouting, there's another crucial step: finding the right mortgage lender. This can feel overwhelming,  like navigating a maze of options and fine print. Fear not! Anton Dharmaseelan, your local mortgage agent, is here to be your guide. With these six tips, you'll transform that maze into a clear path to your dream home and the perfect mortgage to match!