Shows / Your Mortgage Minute | Onlendhub
Your Mortgage Minute | Onlendhub
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.
Episodes
Your Mortgage Minute | OnlendhubGTA Split Signal: Buyers, Renewers, and the Math
GTA October 2026 resale data gave mortgage-bound borrowers a split signal. TRREB’s unadjusted release showed sales down almost 8% year over year and average…
Your Mortgage Minute | OnlendhubMortgage Stress: Contained Nationally, Toronto Pressured | Your Mortgage Minute
CMHC’s retrieved discussion says mortgage stress is contained nationally, with pressures growing in Southern Ontario, including Toronto. This episode uses that…
Your Mortgage Minute | OnlendhubOSFI's MQR: Formula and Limits | Your Mortgage Minute
Description: OSFI's minimum qualifying rate for uninsured mortgages is the greater of the contract rate plus two percentage points or five point two five…
Your Mortgage Minute | OnlendhubKnow 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…
Your Mortgage Minute | OnlendhubWhat 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…
Your Mortgage Minute | OnlendhubSoft 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…
Your Mortgage Minute | OnlendhubGTA August 2026 Dip: Buyers and Renewers | Your Mortgage Minute
TRREB reported five thousand and fifty-seven GTA home sales in August twenty twenty-six, down two point one percent year over year, while new listings fell…
Your Mortgage Minute | OnlendhubSpousal Buyout Refinance | Your Mortgage Minute
The spousal buyout refinance lets one spouse keep the matrimonial home by borrowing up to ninety-five percent of value to pay out the other spouse. This…
Your Mortgage Minute | OnlendhubThe Variable Rate Breakeven Calculator | Your Mortgage Minute
Thinking about variable over fixed? This episode gives you a simple breakeven calculator to decide. Learn the exact formula: your starting rate spread divided…
Your Mortgage Minute | OnlendhubThe Negative Amortization Trap | Your Mortgage Minute
Negative amortization is quietly reshaping renewal outcomes for Canadian homeowners with variable-rate, fixed-payment mortgages. In this episode, we break down…
Your Mortgage Minute | OnlendhubCash Damming: The Tax-Saving Strategy for Rental Investors | Your Mortgage Minute
Cash damming for rental investors is a Canadian debt-management strategy that may improve the tax treatment of borrowing when it is structured and documented…
Your Mortgage Minute | OnlendhubThe 90-Day Renewal Advantage | Your Mortgage Minute
Should you renew your mortgage early or wait until maturity? In this episode, mortgage expert Mouli reveals why the 90-120 day pre-maturity window is when…
Your Mortgage Minute | OnlendhubMortgage Qualification Gap: Approval vs Budget | Your Mortgage Minute
Mortgage qualification is not the same as affordability. In this episode of Your Mortgage Minute, Sarah and Mouli explain the mortgage qualification gap and…
Your Mortgage Minute | OnlendhubThe Pre-Approval Reset for 2026 Buyers | Your Mortgage Minute
Pre-approval reset is the key mortgage strategy for 2026 buyers who found their numbers no longer work. In this episode, Sarah and Mouli break down why a…
- Your Mortgage Minute | Onlendhub
The Airbnb Crunch And Your Mortgage | Your Mortgage Minute
“The Airbnb crunch” is real for Canadian hosts in 2026. This episode breaks down how new short‑term rental rules and lender policies are reshaping mortgages…
Your Mortgage Minute | OnlendhubHow to Pay Off Your Mortgage Faster in Canada | Your Mortgage Minute
How to pay off your mortgage faster in Canada is the core question for homeowners who want to eliminate interest and own their home sooner. In this episode…
Your Mortgage Minute | OnlendhubGrowing Your Rental Portfolio Under OSFI’s New Rules
OSFI’s new rental mortgage rules have many small landlords worried that their portfolio growth days are over, but smart investors are simply changing their…
Your Mortgage Minute | OnlendhubAmortization Hacking: Using Term and Amortization to Control Your Mortgage Payment
Amortization hacking is one of the most underrated mortgage strategies in 2026, yet it may be the difference between cash-flow stress and stability for many…
Your Mortgage Minute | OnlendhubShort-Term Fixed vs Longer-Term Fixed at Renewal | Your Mortgage Minute
Short-term fixed mortgage strategy is becoming one of the most practical choices for Canadians renewing in twenty twenty-six. In this episode of Your Mortgage…
Your Mortgage Minute | OnlendhubMortgage Renewal Cliff 2026: Three Survival Frameworks
The 2026 mortgage renewal cliff is here, and “business as usual” renewal decisions can cost you thousands of dollars per year. In this episode of Your Mortgage…
Your Mortgage Minute | OnlendhubThe Hidden Cost of 30-Year Amortization | Your Mortgage Minute
Thirty-year amortization can make homeownership feel more reachable, but the lower payment comes with a real trade-off. In this episode of Your Mortgage…
Your Mortgage Minute | OnlendhubDown Payment Stacking for First-Time Buyers | Your Mortgage Minute
Down payment stacking for first-time buyers is one of the most useful strategies in the twenty twenty-six Canadian market. In this episode of Your Mortgage…
Your Mortgage Minute | OnlendhubFixed vs Variable Mortgage Rates | Your Mortgage Minute
Fixed vs variable mortgage rates are moving in different directions in twenty twenty-six, and that gap matters for renewals, purchases, and payment planning…
Your Mortgage Minute | OnlendhubRenewal Shock in 2026 | Your Mortgage Minute
Mortgage renewal planning is critical in twenty twenty-six, especially for homeowners facing higher payments as older low-rate mortgages reset into today’s…
Your Mortgage Minute | OnlendhubThe Blend and Extend Lifeline: Master the Math That Saves Thousands | Your Mortgage Minute
If you locked in a mortgage at under 2% during the pandemic and you're facing renewal in late 2026 or 2027, this episode could save you tens of thousands of…
Your Mortgage Minute | OnlendhubThe 90% Refinance Hack: Making Your House Pay Your Mortgage in 2026 | Your Mortgage Minute
For decades, homeowners were capped at 80% equity. Now, the federal government has opened the doors to 90% financing specifically for density projects like…
Your Mortgage Minute | OnlendhubThe 2026 "Silent Renewal" Secret: Switch Lenders Without the Stress Test | Your Mortgage Minute
Renewing your mortgage in 2026? If you locked in at 1.89% back in 2021, you're now facing renewal rates of 4%+ and payment increases of $600/month or more. But…
Your Mortgage Minute | Onlendhub60% of Canadians Are Renewing in 2026—Here's Your Survival Plan
Is your mortgage renewing in 2026? Don't sign that renewal letter without listening to this first. Around 60% of Canadian mortgages are up for renewal by the…
Your Mortgage Minute | OnlendhubThe 3-Year Fixed Sweet Spot: Why 5-Year Mortgages are a 2026 Trap
Are you facing a mortgage renewal in 2026? Don't sign that 5-year fixed notice just yet. With the Bank of Canada holding interest rates at two point two five…
Your Mortgage Minute | OnlendhubThe 2026 Equity Rescue: Stop Being Equity-Rich and Cash-Poor
Is your home worth a fortune but your bank account is empty? Welcome to the "Equity-Rich, Cash-Poor" trap of 2026. In this episode of Your Mortgage Minute, we…
- Your Mortgage Minute | Onlendhub
The Variable-Rate Comeback: Is the Waiting Game Over?
Is the "safe" play in 2026 actually the one everyone was afraid of two years ago? In this episode of Your Mortgage Minute by OnLendHub, we dive deep into the…
- Your Mortgage Minute | Onlendhub
30-Year Amortization for First-Time Buyers: Your Secret Weapon in 2026 | Your Mortgage Minute
The 30-year amortization is a game-changer for first-time buyers in 2026—but most Canadians don't know it exists. This policy lets you stretch your mortgage…