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Borrower Guides

Plain-English playbooks for self-employed and equity borrowers

How-to guides for self-employed, BFS, and equity-based mortgage borrowers in Ontario's private channel.

How-to guides for self-employed, BFS, and equity-based mortgage borrowers in Ontario's private channel.

Borrower Guides7 min read

How Much Equity Do You Need to Stop a Power of Sale in Ontario?

To stop a power of sale, the equity left after the payout must cover the amount owing, the cost of selling and a cushion. The point is to sell it yourself and keep more than a lender's sale would leave.

By Stonefield Capital

Borrower Guides6 min read

Can I Get a Private Mortgage in Ontario as a New Immigrant to Canada?

Yes — Stonefield Capital offers private mortgages in Ontario to newcomers to Canada, approving on property equity and exit strategy rather than Canadian credit history.

By Stonefield Capital

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

Borrower Guides6 min read

Can a Self-Employed Person Get a Private Mortgage in Ontario?

Yes, self-employed Ontarians can get a private mortgage through Stonefield Capital, which qualifies borrowers on property equity and exit strategy, not T4 income.

By Stonefield Capital

Borrower Guides5 min read

Can I Get a Debt Consolidation Mortgage in Ontario with Bad Credit?

Yes — Stonefield Capital offers debt consolidation mortgages in Ontario for borrowers with bad credit, approving on home equity and exit strategy, not credit score.

By Stonefield Capital

Borrower Guides5 min read

Can I Get a Private Second Mortgage in Ontario with Bad Credit?

Yes — Stonefield Capital offers private second mortgages in Ontario based on home equity and exit strategy, not credit score.

By Stonefield Capital

Borrower Guides6 min read

Can I Get a Home Equity Loan in Ontario With No Income Verification?

Yes, Stonefield Capital offers home equity loans in Ontario where equity and exit strategy drive approval, not income documents.

By Stonefield Capital

Stop Waiting for the Bottom. Start Getting Ready.
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

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