THE JOURNAL

Honest reads on mortgages, money, and real life

No fear-mongering. No jargon dumps. Just the kinds of conversations I would have with you over a cup of tea, written down so you can come back to them whenever you need.

Ontario's $130,000 HST Rebate: What's Law in 2026 and What's Still Coming

There are actually two HST rebates floating around right now and buyers are mixing them up. Here's what's law today, what's still being sorted, and what it means if you're buying a new home in Ontario.

Regulatory Updates & Changes

Heart & Soul Mortgages

With Tiphereth Straker, Licensed Mortgage Agent Level 2, serving Kitchener–Waterloo and clients across Ontario.

Your story matters. Your mortgage should honour it.

Contact

Email: [email protected]

Phone: (226) 270-7272

Location: Kitchener–Waterloo, Ontario

© 2026 BRX Heart & Soul Mortgages – All Rights Reserved. | Tiphereth Straker · Licensed Mortgage Agent Level 2 · Lic. M21004493 · BRX Mortgage · FSRA #13463 | Heart & Soul Mortgages is a trade name used by Tiphereth Straker, Licensed Mortgage Agent Level 2, operating under BRX Mortgage, FSRA #13463, a licensed mortgage brokerage in the Province of Ontario. This website is for informational purposes only and does not constitute a commitment to lend or extend credit. All applications are subject to lender approval and underwriting guidelines. | Privacy Policy