Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site. # Mortgage Truth Michael Smele Mortgage Agent and Mortgage Broker in Barrie, Ontario ## Sitemaps - [XML Sitemap](https://mortgagetruth.ca/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://mortgagetruth.ca/blog/) - [How To Beat The Bank's Mortgage Payment Calculator](https://mortgagetruth.ca/how-to-beat-the-banks-mortgage-payment-calculator/) - [Self Build Construction Mortgage – Overcoming The Obstacles](https://mortgagetruth.ca/self-build-construction-mortgage-overcoming-the-obstacles/) - [Paying Off Your Toronto Mortgage Early - Fixed VS Variable Penalties](https://mortgagetruth.ca/paying-off-your-toronto-mortgage-early-fixed-vs-variable-penalties/) - [Self Directed RSP Mortgage Investment Property](https://mortgagetruth.ca/self-directed-rsp-mortgage-investment-property/) - [Debt Reduction - The #1 New Year Resolution...Again](https://mortgagetruth.ca/debt-reduction-the-1-new-year-resolution-again/) - [How To Rebuild Your Credit - Fast Like A Ninja](https://mortgagetruth.ca/how-to-rebuild-your-credit-fast-like-a-ninja/) - [Payday Loans VS. Debt Consolidation - The Best of The Worst](https://mortgagetruth.ca/payday-loans-vs-debt-consolidation-the-best-of-the-worst/) - [5 Instant Fixes To Your Personal Credit Rating](https://mortgagetruth.ca/5-instant-fixes-to-your-personal-credit-rating/) - [Home Loan Interest Rates Today - Changes To Your Mortgage](https://mortgagetruth.ca/home-loan-interest-rates-today-changes-to-your-mortgage/) - [5 Year Mortgage - 5 Things You Need To Know Now](https://mortgagetruth.ca/5-year-mortgage-5-things-you-need-to-know-now/) - [Mortgage Insurance - Effective Tool For Lower Interest Rates](https://mortgagetruth.ca/mortgage-insurance-effective-tool-for-lower-interest-rates/) - [Interest Only Mortgage Rates - The Rental Investor's Dream Home](https://mortgagetruth.ca/interest-only-mortgage-rates-the-rental-investors-dream-home/) - [Helping You With Your Mortgage Needs in Brampton](https://mortgagetruth.ca/helping-you-with-your-mortgage-needs-in-brampton/) - [Helping You With Your Mortgage Needs In Toronto](https://mortgagetruth.ca/helping-you-with-your-mortgage-needs-in-toronto/) - [Helping You With Your Mortgage Needs in Mississauga](https://mortgagetruth.ca/helping-you-with-your-mortgage-needs-in-mississauga/) - [Helping You With Your Mortgage Needs in Barrie](https://mortgagetruth.ca/helping-you-with-your-mortgage-needs-in-barrie/) - [Real Estate Investing – Active and Passive Vehicles](https://mortgagetruth.ca/real-estate-investing-active-and-passive-vehicles/) - [3 Ways You Can Increase Your RSP Investment Now](https://mortgagetruth.ca/3-ways-you-can-increase-your-rsp-investment-now/) - [Self Directed RRSP Mortgage - Positive Money Advice](https://mortgagetruth.ca/self-directed-rrsp-mortgage-positive-money-advice/) - [Private Mortgages in Ontario - The Investor's Frequently Asked Questions](https://mortgagetruth.ca/private-mortgages-the-investors-frequently-asked-questions/) - [Grow Your RSP Without Fees - Self Directed Mortgages Done Right](https://mortgagetruth.ca/grow-your-rsp-without-fees-self-directed-mortgages-done-right/) - [Private Lenders - How To Kickstart Your Wealth Creation](https://mortgagetruth.ca/private-lenders-how-to-kickstart-your-wealth-creation/) - [RRSP Contribution - Free To Grow With Self Directed Mortgages](https://mortgagetruth.ca/rrsp-contribution-free-to-grow-with-self-directed-mortgages/) - [First Rental Property - Investing In Improving Real Estate](https://mortgagetruth.ca/first-rental-property-investing-in-improving-real-estate/) - [Investing In Real Estate For Dummies (And Not So Dummies)](https://mortgagetruth.ca/investing-in-real-estate-for-dummies-and-not-so-dummies/) - [RSP Action Plan - Self Directed Mortgage Investment](https://mortgagetruth.ca/rsp-action-plan-self-directed-mortgage-investment/) ## Pages - [Mortgage Truth Michael Smele Best Mortgage Broker Barrie Ontario](https://mortgagetruth.ca/) - Michael Smele has your best interest serving as a Mortgage Agent in Barrie and all Ontario. Sharing the bank's secrets to help make your mortgage decisions easy - [What Are The Best Alternatives To A Reverse Mortgage?](https://mortgagetruth.ca/my-services/reverse-mortgage-options-for-seniors/what-are-the-best-alternatives-to-a-reverse-mortgage/) - [Reverse Mortgage Calculator – How The Numbers Add Up](https://mortgagetruth.ca/my-services/reverse-mortgage-options-for-seniors/reverse-mortgage-calculator-how-the-numbers-add-up/) - [Is A Reverse Mortgage A Good Idea?](https://mortgagetruth.ca/my-services/reverse-mortgage-options-for-seniors/is-a-reverse-mortgage-a-good-idea/) - [How Does a Reverse Mortgage Work?](https://mortgagetruth.ca/my-services/reverse-mortgage-options-for-seniors/how-does-a-reverse-mortgage-work/) - [What Is a Reverse Mortgage?](https://mortgagetruth.ca/my-services/reverse-mortgage-options-for-seniors/what-is-a-reverse-mortgage/) - [Mortgage Pre Approval Near Me](https://mortgagetruth.ca/my-services/mortgage-pre-approval-near-me/) - My name is Michael Smele and I will assist you in getting a Fully Reviewed Mortgage Pre Approval and your best lender in Barrie, Orillia, Midland, and Innisfil. - [Is It Better To Get Pre Approved With A Bank Or A Broker?](https://mortgagetruth.ca/my-services/mortgage-pre-approval-near-me/is-it-better-to-get-pre-approved-with-a-bank-or-a-broker/) - [How To Get A Mortgage Pre Approval](https://mortgagetruth.ca/my-services/mortgage-pre-approval-near-me/how-to-get-a-mortgage-pre-approval/) - [Find A Calculator For Mortgage Pre Approval](https://mortgagetruth.ca/my-services/mortgage-pre-approval-near-me/find-a-calculator-for-mortgage-pre-approval/) - [Does A Mortgage Pre Approval Hurt My Credit Score?](https://mortgagetruth.ca/my-services/mortgage-pre-approval-near-me/does-a-mortgage-pre-approval-hurt-my-credit-score/) - [How Long Is My Home Loan Pre Approval Good For?](https://mortgagetruth.ca/my-services/mortgage-pre-approval-near-me/how-long-is-my-home-loan-pre-approval-good-for/) - [What Is A Mortgage Pre Approval?](https://mortgagetruth.ca/my-services/mortgage-pre-approval-near-me/what-is-a-mortgage-pre-approval/) - [Mortgage Renewal VS Refinance - FAQs & Answers](https://mortgagetruth.ca/my-services/mortgage-refinance/mortgage-renewal-vs-refinance-faqs-answers/) - [Using A Mortgage Refinance Calculator – Is It Worth It?](https://mortgagetruth.ca/my-services/mortgage-refinance/using-a-mortgage-refinance-calculator-is-it-worth-it/) - [Can I Get Best Interest Rates For My Mortgage Refinance?](https://mortgagetruth.ca/my-services/mortgage-refinance/can-i-get-best-interest-rates-for-my-mortgage-refinance/) - [When Is The Best Time To Refinance My Mortgage?](https://mortgagetruth.ca/my-services/mortgage-refinance/when-is-the-best-time-to-refinance-my-mortgage/) - [What Does It Mean To Refinance A Mortgage?](https://mortgagetruth.ca/my-services/mortgage-refinance/what-does-it-mean-to-refinance-a-mortgage/) - [Who Is The Best Mortgage Lender For Bad Credit?](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/who-is-the-best-mortgage-lender-for-bad-credit/) - [Can I Refinance My Mortgage With Bad Credit?](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/can-i-refinance-my-mortgage-with-bad-credit/) - [How To Qualify For a Mortgage With Bad Credit](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/how-to-qualify-for-a-mortgage-with-bad-credit/) - [What Is The Minimum Credit Score For a Bad Credit Mortgage?](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/what-is-the-minimum-credit-score-for-a-bad-credit-mortgage/) - [What Is The Interest Rate For a Bad Credit Mortgage?](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/what-is-the-interest-rate-for-a-bad-credit-mortgage/) - [How Do I Get Pre-Approved For a Mortgage With Bad Credit?](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/how-do-i-get-pre-approved-for-a-mortgage-with-bad-credit/) - [Can I Get a Mortgage With Bad Credit?](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/can-i-get-a-mortgage-with-bad-credit/) - [Which Banks Will Give You a Mortgage With Bad Credit?](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/which-banks-will-give-you-a-mortgage-with-bad-credit/) - [How Can I Get All Of My Debt Into One Payment?](https://mortgagetruth.ca/my-services/debt-consolidation/how-can-i-get-all-of-my-debt-into-one-payment/) - [What Is The Smartest Way To Consolidate Debt?](https://mortgagetruth.ca/my-services/debt-consolidation/what-is-the-smartest-way-to-consolidate-debt/) - [Does a Debt Consolidation Loan Hurt Your Credit?](https://mortgagetruth.ca/my-services/debt-consolidation/does-a-debt-consolidation-loan-hurt-your-credit/) - [Are Debt Consolidation Loans Easy To Get?](https://mortgagetruth.ca/my-services/debt-consolidation/are-debt-consolidation-loans-easy-to-get/) - [Can My Bank Consolidate My Debt?](https://mortgagetruth.ca/my-services/debt-consolidation/can-my-bank-consolidate-my-debt/) - [What Does Debt Consolidation Mean?](https://mortgagetruth.ca/my-services/debt-consolidation/what-does-debt-consolidation-mean/) - [Testimonials](https://mortgagetruth.ca/testimonials/) - [How Often Can You Get a Home Equity Loan?](https://mortgagetruth.ca/my-services/home-equity-loans/how-often-can-you-get-a-home-equity-loan/) - [Can You Get a Home Equity Loan With Bad Credit?](https://mortgagetruth.ca/my-services/home-equity-loans/can-you-get-a-home-equity-loan-with-bad-credit/) - [How Hard is it To Get Approved For a Home Equity Loan?](https://mortgagetruth.ca/my-services/home-equity-loans/how-hard-is-it-to-get-approved-for-a-home-equity-loan/) - [How Much Can You Borrow From a Home Equity Loan?](https://mortgagetruth.ca/my-services/home-equity-loans/how-much-can-you-borrow-from-a-home-equity-loan/) - [How Do I Calculate How Much Home Equity I Have?](https://mortgagetruth.ca/my-services/home-equity-loans/how-do-i-calculate-how-much-home-equity-i-have/) - [What Is The Interest Rate On a Home Equity Loan?](https://mortgagetruth.ca/my-services/home-equity-loans/what-is-the-interest-rate-on-a-home-equity-loan/) - [How Do You Get a Home Equity Loan Completed?](https://mortgagetruth.ca/my-services/home-equity-loans/how-do-you-get-a-home-equity-loan-completed/) - [Are Home Equity Loans a Good Idea?](https://mortgagetruth.ca/my-services/home-equity-loans/are-home-equity-loans-a-good-idea/) - [What Is a Home Equity Loan?](https://mortgagetruth.ca/my-services/home-equity-loans/what-is-a-home-equity-loan/) - [How Can I Become a Private Mortgage Lender?](https://mortgagetruth.ca/my-services/private-mortgage-loans/how-can-i-become-a-private-mortgage-lender/) - [Where Can I Find a Private Mortgage Lender?](https://mortgagetruth.ca/my-services/private-mortgage-loans/where-can-i-find-a-private-mortgage-lender/) - [What Documents or Paperwork Do I Need To Get a Private Mortgage?](https://mortgagetruth.ca/my-services/private-mortgage-loans/what-documents-or-paperwork-do-i-need-to-get-a-private-mortgage/) - [How Do I Calculate a Private Mortgage?](https://mortgagetruth.ca/my-services/private-mortgage-loans/how-do-i-calculate-a-private-mortgage/) - [How Much Does a Private Mortgage Cost?](https://mortgagetruth.ca/my-services/private-mortgage-loans/how-much-does-a-private-mortgage-cost/) - [Do I Qualify For a Private Mortgage?](https://mortgagetruth.ca/my-services/private-mortgage-loans/do-i-qualify-for-a-private-mortgage/) - [What Interest Rate do Private Lenders Charge?](https://mortgagetruth.ca/my-services/private-mortgage-loans/what-interest-rate-do-private-lenders-charge/) - [What is a Private Mortgage?](https://mortgagetruth.ca/my-services/private-mortgage-loans/what-is-a-private-mortgage/) - [Your Private Mortgage Made Easy](https://mortgagetruth.ca/my-services/private-mortgage-loans/) - I will make getting a private mortgage loan easy whether you live in Toronto, Mississauga, Brampton, the GTA or anywhere in Ontario. Fast, stress free while minimizing your costs. - [When Should You Get a Private Mortgage?](https://mortgagetruth.ca/my-services/private-mortgage-loans/when-should-you-get-a-private-mortgage/) - [My Services](https://mortgagetruth.ca/my-services/) - I offer a wide variety of mortgage services in Barrie, Newmarket, Bradford and Innisfil including, Ontario Home Loans, Home Equity Loans, Debt Consolidation, Mortgage Refinance, Private Mortgage Loans - [Home Purchase Loans](https://mortgagetruth.ca/my-services/home-purchase-loans/) - My name is Michael Smele and I will find you the best lender and will help you navigate every aspect of your home purchase loan in Barrie, Orillia, Midland and Innisfil. - [Reverse Mortgage Options For Seniors](https://mortgagetruth.ca/my-services/reverse-mortgage-options-for-seniors/) - [Home Equity Loans Made Simple](https://mortgagetruth.ca/my-services/home-equity-loans/) - There are many options available to you to access the equity on your home, second home, cottages, farms and commercial property in Barrie or anywhere in Ontario - [Debt Consolidation Loans Near Me](https://mortgagetruth.ca/my-services/debt-consolidation/) - Take your high interest debt credit cards or other loans and reorganize it into an efficient, low interest, one payment mortgage loan. You save $500-1500/month - [Mortgage Refinance Offers Near Me](https://mortgagetruth.ca/my-services/mortgage-refinance/) - My role to act as an industry expert on your behalf, shopping the whole market for best mortgage refinancing rates offers making banks compete for your business - [Bad Credit Mortgage Help](https://mortgagetruth.ca/my-services/bad-credit-mortgage-help/) - I can help you anywhere in Ontario with your best mortgage for bad credit. If you have been rejected by the bank, today you have better options than you think. - [Credit Enhancement](https://mortgagetruth.ca/my-services/credit-enhancement/) - a debt instrument. They are in fact also an investment vehicle. This idea gets lost with a lot of folks however those who understand have the potential for great gain. I have always approached each of my clients as not only a borrower, but also as a future lender. This has had the surprising effect of empowering them to think further than just paying off their mortgage to how can I start earning returns on my hard earned, after tax dollars. In some instances, this has become in fact the strategy to pay down their mortgage in a very short period of time. - [Get Approved for a Private Mortgage Loan in Ontario!](https://mortgagetruth.ca/get-approved-with-a-private-mortgage-loan/) - [Contact](https://mortgagetruth.ca/contact-us/) - Contact me, Michael Smele, Mortgage Agent behind Mortgage Truth. I'd be happy to assist you with your mortgage loan needs anywhere in Ontario. - [About](https://mortgagetruth.ca/about/) - I created Mortgage Truth to give you honest and truthful mortgage advice. My goal is give you the right information and to make your mortgage decisions easy. I offer a wide range of services to my clients all across Ontario. - [Mortgage Investment](https://mortgagetruth.ca/my-services/mortgage-investment/) - A mortgage is not just a debt instrument, it is also an investment vehicle. I have always approached each of my clients as not only a borrower, but also as a future mortgage lender. - [Self-Directed RRSP Mortgage in Ontario](https://mortgagetruth.ca/my-services/self-directed-rrsp-mortgage/) - The self directed RSP mortgage is another example of the type of creative mortgage products I offer my clients. In a nutshell, any Canadian with RSPs can become a lender by directing their funds into an approved trust account and is then able to lend said funds into mortgages. Let me explain the rules to you and make it easy. - [Make Your RSP Work For You Through Private Mortgage Lending in Ontario!](https://mortgagetruth.ca/private-mortgage-lending/) - [Become A Private Mortgage Investor in Ontario Today!](https://mortgagetruth.ca/become-a-private-mortgage-investor/) - [Mortgage Information](https://mortgagetruth.ca/mortgage-information/) ## Page Builder Smart Areas - [New Footer Lead](https://mortgagetruth.ca/znpb_template_mngr/new-footer-lead/) - [Footer Lead](https://mortgagetruth.ca/znpb_template_mngr/footer-lead/) ## Categories - [Uncategorized](https://mortgagetruth.ca/category/uncategorized/) - [Consumer Proposals](https://mortgagetruth.ca/category/consumer-proposals/) - [Debt Settlement](https://mortgagetruth.ca/category/debt-settlement/) - [Mortgage Industry News](https://mortgagetruth.ca/category/mortgage-industry-news/) - [Home Purchase Loans](https://mortgagetruth.ca/category/home-purchase-loans/) - [Self-Directed RRSP Mortgage](https://mortgagetruth.ca/category/self-directed-rrsp-mortgage/) - [Mortgage Investment](https://mortgagetruth.ca/category/mortgage-investment/) - [Credit Enhancement](https://mortgagetruth.ca/category/credit-enhancement/) - [General](https://mortgagetruth.ca/category/general/) - [My Top Articles](https://mortgagetruth.ca/category/my-top-articles/)