Your Mortgage Minute is a short, straight‑talk podcast that helps Canadians make smarter mortgage and homeownership decisions in just a few minutes a day. Each episode breaks down one practical topic—like pre‑approvals, refinancing, renewals, or first‑time buyer incentives—into clear, jargon‑free tips you can actually use. Whether you’re buying your first home, renewing your mortgage, or trying to pay off debt faster, Your Mortgage Minute gives you quick guidance so you feel confident.
Know CMHC Portability Rules: Not a Switch or Refinance | Your Mortgage Minute
Porting an insured mortgage is not the same as switching lenders or refinancing. In this episode, we break down CMHC's official straight portability rules for insured borrowers. You'll learn the three key limits: amortization can't exceed your remaining amortization, the new loan-to-value must be equal to or less than your current LTV, and the new loan amount must be equal to or less than your outstanding balance. They also explain why porting is a separate path from switching and refinancing...
1 Oct 2026
What OSFI B-20 Says — And What It Doesn't | Your Mortgage Minute
What does OSFI's Guideline B-20 actually say about mortgage underwriting — and where does the official record stop? This episode runs an official-record audit on three things borrowers hear quoted constantly: renewal switches, the stress-test formula, and amortization at renewal. Using only retrieved primary OSFI and CMHC sources, we separate three layers: what the official record establishes, what falls to lender underwriting, and what is illustration. The B-20 consultation summary and the ...
23 Sept 2026
Soft Oakville-Milton Market: Mortgage Impact | Your Mortgage Minute
The Oakville-Milton market has softened, and that changes the mortgage math for buyers, renewers, and refinancers. In this episode, Sarah and Mouli break down the July 2026 CREA board-level stats, August secondary reports, and what four point six months of inventory actually means for financing. They walk through a renewal illustration: a four hundred eighty thousand dollar balance moving from one point nine percent to four point five percent on a twenty-five year amortization. They show the...
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