Colin Ballantyne - Mortgage Agent

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Colin Ballantyne - The Mortgage Builder: BRX Mortgage Agent

BRX Mortgage M13463

Licenced Mortgage Agent Level 2 Ontario

Colin Ballantyne: NMLS ID M22000539

31/07/2026

Ontario Landlord and Tenant Board orders are now public, and it changes everything for landlords and tenants across Canada's largest rental market.

For years, the LTB kept its final rulings off the public record.
- No searchable database.
- No way for a landlord to look up a prospective tenant's history before signing a lease.
- No way for a tenant to verify a landlord's track record before handing over a deposit.

That information existed, but it was buried in hearing rooms and filing systems, never organized, never searchable, and never free.

Some tenants built a deliberate strategy around that gap.

Not most tenants; the overwhelming majority of renters are honest people doing their best in an expensive market. But a small, documented group learned that the LTB's delays and its lack of transparency created an opening.

Move in. Stop paying. Wait out the eviction process. Move on. Start over. Clean slate.

On July 24th, 2026, that clean slate got a lot harder to come by.

The Landlord and Tenant Board launched a free public database of every final LTB order issued since 2021. Every eviction order. Every non-payment ruling. Every decision made against a tenant, and against a landlord.

Because bad landlords are real too, and they deserve to be on this list just as much.

The database lives at data.ontario.ca/dataset/ltb-order-catalogue. No login. No fee. No lawyer required. You type in a name. You see the record.

This is not the end of the problem. The LTB backlog is real. Bad actors will adapt. But for landlords screening a new application, and for good tenants who want to prove they are exactly who they say they are, this is a concrete, searchable, government-backed tool that did not exist one week ago.

Another nail in the coffin. Not the last one. But a real one.

Search the database: data.ontario.ca/dataset/ltb-order-catalogue

One of the most common mortgage questions I hear: Is a 30-year amortization better than a 25-year?The honest answer: it ...
12/06/2026

One of the most common mortgage questions I hear: Is a 30-year amortization better than a 25-year?

The honest answer: it depends.

A 25-year amortization means higher monthly payments, faster equity growth, and less interest paid over the life of the mortgage.

A 30-year amortization works differently. By spreading payments over a longer period, monthly obligations are reduced. That extra cash flow can help homeowners avoid becoming house-poor, manage expenses, maintain emergency savings, or create more flexibility in their budget.

For some homeowners, that flexibility becomes an investment opportunity.

One of the most interesting questions is whether you should invest the payment difference or use it to pay down your mortgage faster. There isn't a universal answer. Some people value the guaranteed return of reducing debt and becoming mortgage-free sooner. Others prefer directing those savings toward investments, retirement accounts, or other assets that can compound over time.

It's important to note that a 30-year amortization doesn't lock you into a slower repayment schedule forever. Many mortgage products allow prepayment privileges, giving you the option to accelerate payments later if your income grows or your priorities change.

The real question isn't how much more interest you'll pay with a 30-year mortgage. It's whether the additional flexibility helps you achieve goals that matter more to you.

The right amortization should support your life, not dictate it.

https://themortgagebuilder.ca/f/25-year-vs-30-year-mortgage-for-first-time-home-buyers

Address


Opening Hours

Monday 08:00 - 20:00
Tuesday 08:00 - 20:00
Wednesday 08:00 - 20:00
Thursday 08:00 - 20:00
Friday 08:00 - 20:00

Telephone

+19055806267

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