Poly-B plumbing rarely kills a mortgage approval directly — it threatens the home insurance your lender requires at funding, and that can stall a closing just as effectively. Poly-B is the grey plastic plumbing installed in many Canadian homes built from the late 1970s to the mid-1990s, and insurers treat its elevated leak risk very […]

For a self-employed mortgage in Canada, the documents are the application: lenders typically want two years of personal tax returns and Notices of Assessment, plus your business financials, and they usually average your income across those two years. That creates the central tension of self-employed borrowing — the write-offs that lower your tax bill also […]

A spousal buyout mortgage in Alberta lets one partner keep the home after separation by treating the buyout like a purchase instead of a refinance — and that distinction is everything. Under the insured spousal buyout program offered through Canada’s mortgage insurers (CMHC, Sagen and Canada Guaranty), the staying spouse can borrow up to 95% […]

Poly-B plumbing in an Edmonton home is not automatically a dead end for a mortgage — but it is a financing factor, because insurers treat the grey plastic pipe as higher risk, and some will not insure a home with Poly-B at all, or will only do so with conditions. Lenders require property insurance to […]