by Joe White | Oct 2, 2026 | Mortgage, Mortgage Brokering, Mortgage Brokering in Ontario
Every agent can recite the stress test. Far fewer can tell a client, on the first call, roughly how much house it takes away from them.That number is the one the client cares about. Here is how to get to it quickly.The rule, stated properlyThe minimum qualifying rate...
by Joe White | Sep 28, 2026 | Business, Mortgage, Mortgage Brokering, Mortgage Brokering in Ontario
A client calls. She and her husband are separating. She wants to keep the house and buy him out. The house is worth eight hundred thousand, the mortgage is three hundred thousand, and she brought the house into the marriage. She owned it outright before they met.What...
by Joe White | Sep 15, 2026 | Becoming a Mortgage Broker, Business, Mortgage Brokering, Mortgage Brokering in Ontario, Research
Everybody can see the licensing part. There’s a course, an exam, and a registration number at the end of it. What happens in the 90 days after that is far less visible and far less measured. So we asked 880 people who lived through it. 880 mortgage agents...
by Joe White | Aug 5, 2026 | Compliance
A recent Financial Services Tribunal decision found an experienced broker unsuitable to be licensed over mortgages built on false documents, and FSRA went on to refuse his licence renewal. For the broker, the lesson is personal, and we covered it in a companion piece....
by Joe White | Aug 3, 2026 | Compliance
18 False-Document Applications and $95,000 in Penalties: Why “I Didn’t Know” Was Not Enough An Ontario mortgage broker submitted 18 mortgage applications containing false or fabricated supporting documents. The Financial Services Tribunal accepted...