Choice Financial Blog

Mortgage Renewal vs Refinance in Ontario: Which Is Right for You?

Mortgage Renewal vs Refinance in Ontario: Which Is Right for You?

Greg Kalanjian
Published on: 12/05/2026

Should you renew or refinance your mortgage in Ontario? Learn the key differences, when each option makes sense, and why you should never just sign your bank's renewal offer.

Investment Property Mortgage in Ontario: What You Need to Know

Investment Property Mortgage in Ontario: What You Need to Know

Greg Kalanjian
Published on: 12/05/2026

Financing an investment property in Ontario follows different rules than your primary residence. Learn about down payments, rental income qualification, BRRRR strategy financing, and more.

How Does Manulife One Work? Is It Worth It?

How Does Manulife One Work? Is It Worth It?

Greg Kalanjian
Published on: 12/05/2026

Manulife One combines your mortgage, savings, and income into one flexible account. Learn how it works, who it's best for, and whether it could save you thousands in interest.

Self-Employed Mortgage in Ontario: How to Get Approved

Self-Employed Mortgage in Ontario: How to Get Approved

Greg Kalanjian
Published on: 12/05/2026

Getting a mortgage as a self-employed borrower in Ontario is possible with the right approach. Discover your options, required documents, and tips to get approved with Choice Financial Corp.

How the Smith Manoeuvre Works in Canada

How the Smith Manoeuvre Works in Canada

Greg Kalanjian
Published on: 12/05/2026

Learn how the Smith Manoeuvre works in Canada, whether it's right for you, and how to implement this powerful tax strategy to build wealth while paying down your mortgage.

Refinancing or Switching Lenders? Here's What You Need to Know in Today's Market

Refinancing or Switching Lenders? Here's What You Need to Know in Today's Market

Greg Kalanjian
Published on: 17/03/2026

I had a call last week from a client in London, Ontario. His mortgage is up for renewal in a few months, and he saw a better rate advertised online. He asked me: "Greg, should I just switch to get that lower rate? What's the catch?"