Neil Patel is an SEO Jedi and content wizard. The Wall Street Journal calls him one of the world's top marketing influencers. Patel consults for companies like Google, Facebook and Intuit and has (at @neilpatel) over 1.1 million YouTube subscribers. He recently spoke with us about a

Qualifying for a mortgage takes a lot more strategy than it used to. And banks are no longer the right move for millions of Canadians, as this chart below illustrates. The share of mortgage business now flowing to credit unions, private/MIC lenders, and other non-banks is remarkable. Federal policy

Canadian housing affordability is just about the worst ever. That's especially problematic for first-time buyers who: * can barely scrape together the minimum 5% to 7.5% down payment * have strong credit and solid employment * have debt ratios above the 39% #GDS#/ 44% #TDS# insurer limits * can't