Author: Maurice Kwok

Maurice Kwok is a licensed Ontario mortgage broker with over three decades of experience helping homebuyers and homeowners make clear, confident financing decisions — from purchases and refinances to switches, reverse mortgages, second mortgages, and small commercial loans. He is known for clear explanations, practical strategies, and guiding clients through both straightforward and complex situations with calm, professional insight. Call / Text / WhatsApp: (416) 618-9312 Email: maurice@sherwoodmortgagegroup.com

Second Mortgages Explained: When Do They Make Sense for Homeowners?

Second mortgage concept showing a model house and mortgage blocks, illustrating home equity and alternative financing options

A second mortgage can be a useful short-term financing tool in certain situations. This article explains when it makes sense and when to think twice.

Ontario Mortgage Rates — December 5, 2025

Ontario mortgage rates update for December 2025 – women holding a percentage sign representing interest rates.

Updated Ontario mortgage rates for December 2025, including today’s best fixed, variable, and alternate options, plus a short rate outlook for homeowners across Ontario.

Mortgage Renewals in 2025–2026: From Ultra-Low Rates to Reality Check

Ontario homes under clear sky representing 2025–2026 mortgage rate cuts and housing market trends.

Ontario homeowners are breathing easier after two Bank of Canada rate cuts in 2025. While mortgage rates have dropped, qualifying remains tough under the stress test. Learn how lower rates, refinance options, and renewal strategies can help you plan ahead for 2026 and make informed mortgage decisions.

Bank of Canada Cuts to 2.25%: The Economy Behind the Move (and What Follows)

Hand cutting a red percent sign with scissors—symbolizing a 0.25% Bank of Canada policy rate cut to 2.25% (Oct 29, 2025).

The Bank of Canada trimmed its policy rate to 2.25% on October 29, signaling that monetary policy is now near “about right.” Growth remains modest, inflation is easing unevenly, and the Bank’s next moves will depend on data. Here’s what it means for homeowners, buyers, and the broader

🏡 Ontario Mortgage Rates — October 23, 2025

A man and woman smiling while holding a red cube with a white percent sign, symbolizing mortgage interest rates and loan offers.

Ontario mortgage rates remain steady as the Bank of Canada holds its policy rate. Explore October’s fixed, variable, and refinance strategies — with insights for self-employed borrowers and those seeking smoother approvals.

🏡 Ontario Mortgage Rates–Sept 12, 2025 | Variable/Fixed Rate Options

Discussing mortgage strategy in a relaxed office setting

Ontario Mortgage Strategy: Variable rates offer flexibility and long-term savings. They’re the smarter play in today’s market. Find out why from Mortgage Maurice.

🧭 Why Variable Rate Mortgage Could Be the Smartest Move in 2025

Directional signpost with arrows labeled "Fixed" and "Variable" representing mortgage rate choices, photographed by Maurice Kwok in Blue Mountain, Ontario.

GDP down 1.6% at an annual pace in 2025 Q2, inflation 1.7% (July), unemployment 7.1% (August)—three cooling signals that point to lower rates.

🏡 Ontario Mortgage Rate Sheet – August 28, 2025 | Mortgage Maurice |

Two women holding a percentage sign, symbolizing Ontario mortgage rates August 2025. Contact Maurice at 416-618-9312 or maurice@mortgagemaurice.ca for guidance

Ontario mortgage rates are changing fast in August 2025. Discover the latest lender offers, compare fixed vs. variable, and see how much you could save.

🔓 Why Canadian Lenders Are Opening the Credit Gates—And What It Means for You

Canadian lenders opening credit in 2025 – guiding Canadians to mortgage approval and better credit access

In a surprising shift, Canadian lenders are opening credit more widely—even for borrowers who might be considered “riskier.”

🧮 Ontario Mortgage Approval 2025: GDS/TDS Ratios Explained

Licensed Ontario mortgage broker guiding homebuyers through signing their purchase contract under GDS/TDS and 2025 stress-test rules

Mortgage Approval Ontario 2025: GDS / TDS Ratios Explained Learn how GDS 39% and TDS 44% limits—and the 2025 stress test—shape your Ontario mortgage approval. We’ll walk you through a real $850K Toronto condo-townhouse example so you can see exactly how lenders measure your debt ratios and what that means for your borrowing power. Understanding […]