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Insights

Market Intelligence for the Ontario Private Mortgage Industry

Expert analysis, rate trends, and strategic advice for mortgage professionals and investors.

Stonefield Capital publishes market commentary and private lending insights for Ontario mortgage brokers and investors. Topics include rate movements, deal trends, regulatory updates, and equity-based lending strategies.

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14 total
Broker Trends12Tech & AI6Market Updates2Rate Strategy1Regulatory0Borrower Guides6Investor Insights1
FeaturedTech & AI6 min read

Part 2: Building a Mortgage Calculator With No Code

Part 2 of building a mortgage calculator with AI: one sentence became a live webpage, and Vercel published it without being told. The loop, twice.

By Mark Freedman

Borrower Guides6 min read

House Prices Still Falling in 2026: What Ontario Homeowners Should Do Right Now

CMHC projects house prices will keep softening through 2026. Ontario homeowners who refinanced at peak values should review their equity position now, before their options narrow.

By David Steinfeld

Tech & AI7 min read

Part 1: Build Your Own Mortgage Calculator - Get a Live Website Before You Write a Single Line of Code

Part 1 of building a mortgage calculator with AI: Git, GitHub and Vercel. A live website in five minutes, and why the 404 at the end is exactly the point.

By Mark Freedman

Tech & AI9 min read

Write This One Page Before You Touch a Single Tool

Before you build any automation, bot, or CRM workflow, write a one-page spec sheet. Here's the universal structure that prevents expensive rebuilds.

By Mark Freedman

Broker Trends5 min read

A Fast No From an Ontario Private Lender Beats a Slow Maybe

Most private lenders find the deal killer on day six. Ontario broker? Here's why a fast no is worth more to your pipeline than a week of creative structuring.

By David Steinfeld

Borrower Guides6 min read

Stop Waiting for the Bottom. Start Getting Ready.

Power of sale listings are rising and real prices are already down sharply. The smart move isn't timing the bottom, it's preparing now: know your number, recalibrate expectations, and build the right relationships before the deal appears.

By David Steinfeld

Tech & AI4 min read

Build Your First Mortgage Workflow Before Lunch Today

n8n lets Ontario mortgage brokers automate repetitive work without a developer. Watch two videos, then build your first workflow today — no SaaS required.

By Mark Freedman

Market Updates4 min read

Oil Prices, Inflation, and Your Mortgage: What's Really Driving Ontario's Housing Market

Oil prices, inflation, and a surprise OSFI capital rule change are shaping Ontario's housing market in 2026. Here's what buyers need to understand beyond the headline sales numbers.

By David Steinfeld

Tech & AI6 min read

The Honest Starter Kit for Building With AI

The real components of building with AI — models, workflow tools, and hosted apps — explained for brokers and operators who want to start building, not just reading about it.

By Mark Freedman

Broker Trends5 min read

Why the Best Mortgage Brokers in Ontario Are Telling Some Clients to Slow Down Right Now

Ontario brokers chasing purchase volume in a rising market are missing the real opportunity: clients who need honest advice on refinancing traps and reverse mortgages. Here's why saying slow down builds the best referral businesses.

By David Steinfeld

Tech & AI2 min read

Choose Your Own Adventure: Tech-Enabled Mortgage Agent or Unemployed

Learn to build your own mortgage broker tech solutions instead of overpaying for software. New series teaches practical AI and automation skills in 2-4 hours per weekend.

By Mark Freedman

Investor Insights4 min read

Renting vs Buying in 2026: Turning Conventional Wisdom on it's Head.

With elevated rates and supply constraints, the rent vs buy math has shifted dramatically. Smart investors are finding better returns outside traditional homeownership in 2026.

By David Steinfeld

Market Updates3 min read

Why Ontario's Stalled Spring Market Makes Acting Now Your Best Move

April home sales fell while prices rose, creating market confusion. With energy conflicts threatening higher rates, acting now beats waiting for perfect conditions that may never come.

By David Steinfeld

Rate Strategy3 min read

Fixed vs Variable Mortgages in 2026: Expert Guide for Ontario Homebuyers

Four mortgage experts reveal the key factors Ontario borrowers should consider when choosing between fixed and variable rates in 2026's volatile market. Strategic analysis beats rate speculation.

By David Steinfeld

Broker Questions, Answered

Straight answers to the questions Ontario brokers ask most about private lending.

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