Over half of the mortgages in Canada will be renewed in the next few years.  There will be sticker shock for many Canadian families who will be renewing into rates 1%-3% higher than their current mortgage.   This will result in higher mortgage payments for almost anyone. While we will keep hoping that the Bank Of […]

The festive season is behind us, and the New Year is in full swing! As we pack away the decorations and bid farewell to the holiday cheer, many of us are left with the lingering effects of the Christmas and New Year debt hangover. If you’re feeling the pinch of holiday expenses fret not – […]

Enough about mortgages!  Time to have some fun with our top 10-holiday jokes! What do you call a snowman with a six-pack? An abdominal snowman! ❄️🏋️‍♂️ Why did the gingerbread man go to the doctor? Because he was feeling crumbly! 🍪😄 What do you get if you cross a snowman and a dog? Frostbite! 🐾❄️ […]

Before I even begin this article and the math and calculations, I believe in making a choice that you feel is in your best interest.  In our opinion taking a shorter-term rate is a HUGE gamble!  You are taking a big risk that rate will be low enough at the end of the term you […]

‘Tis the season of joy, giving, and gratitude. During the holiday hustle, let’s take a moment to consider the true essence of the season – meaningful connections and thoughtful gestures. This blog post aims to inspire a shift towards mindful gift-giving, focusing on secondhand and heirloom treasures, handmade delights, consumable pleasures, experiential wonders, and the […]

You will often hear me say that mortgages aren’t only about rates.  Finding the best solutions to fit your needs is 10x more important.  This is 100% TRUE. However, this all goes out the window in a decreasing interest rate environment.  We are currently in a decreasing mortgage rate environment. 5-year Canadian Bond Yields have […]

This question came in through one of our social media platforms: “I’ve never used a mortgage broker before.  How much can I really save? Benjamin Franklin wisely said to “worry about the pennies and the dollars will take care of themselves.” Each client and situation is unique, however, we can break down the savings for […]

When it comes to your home financing, why settle for anything less than the best? Whether you’re renewing your mortgage or considering a refinance, we’ve got an offer that stands out from the rest. Dive into a world of unbeatable rates, no legal fees, appraisal fees, or transfer fees for renewals, and say goodbye to […]

I posted this article I wrote a few years ago and I thought it needed some updating to reflect how punitive policy has put Canadian housing in peril. Meet Janet, she is a single mom, earning $55,000 per year, collecting child support of $600 per month, and also collecting CCB of $400 per month.  The […]