Stay informed with guides, tips, and market updates to help you make confident mortgage decisions.
Learn how borrowing against your home equity works in Ontario, including refinancing, HELOCs, and second mortgages — and when each option makes sense.
A complete Ontario guide to private second mortgages: when they make sense, when they don’t, costs, risks, and better alternatives.
Struggling with bank mortgage approval in Ontario? Learn why alternative mortgage lenders are growing, who they help, and how they provide fast, flexible solutions.
A clear guide explaining what short-term private lending is, when it makes sense, and how Ontario borrowers can use it strategically with Centum Chartered Finance.
Rejected by your bank? Learn how an alternative mortgage broker in Ontario can help you access private and flexible mortgage solutions.
Can a reverse mortgage be used to invest? Learn the benefits, risks, and when this strategy may make sense for Canadian homeowners aged 55+.
A real-life case study showing how an Ontario homeowner used a reverse mortgage to support a family member without selling his home or taking on monthly payments.
A real-world reverse mortgage case study showing how an Ontario homeowner accessed tax-free equity, eliminated monthly payments, and stayed in her home during retirement.
Facing power of sale in Ontario? Learn how a second mortgage can stop the sale, cover arrears, and help you regain financial control.
Facing power of sale in Ontario? Learn the legal process, timelines, and real options that may help you stop or delay a power of sale before your home is sold.
Understanding the Power of Sale/Foreclosure in Ontario and How to Avoid It
Learn how Non-Bank (B-Lender) mortgages work in Ontario, who qualifies, approval requirements, benefits, and how to get fast 24–48 hour approvals based on home equity—not credit score
A professional comparison of mortgage brokers and banks, explaining why Ontario borrowers benefit from working with Centum Chartered Finance.
A clear guide to CMHC insurance and high-ratio mortgages in Ontario, including how it works, costs, and how it affects your home purchase.
A simple step-by-step guide to help first-time buyers understand mortgages, down payments, approvals, and how to get the best deal.
Exploring reverse mortgage alternatives in Ontario? Compare private lenders, B lenders, and refinancing options to unlock home equity safely.
A practical guide to mortgage strategies for Ontario small business owners and self-employed professionals looking to maximize approval and flexibility.
A clear breakdown of Ontario’s current condo and housing market, including buyer demand, falling prices, interest rates, and what homeowners should do next.
Rick Bettencourt, Mortgage Broker Level 2,
FSRA License #M11002425
licensed with Chartered Finance, Brokerage #12791
#302 – 7300 Warden Ave, Markham, Ontario.
Helping Ontario homeowners access practical mortgage solutions with clarity and confidence.
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