All mortgage holders renewing in 2024 will experience a little or a big payment shock.  If you’ve been following along, we are committed to providing all clients with our best renewal rates!   We will honour this commitment until the end of 2024% But what if the lowest renewal rate isn’t enough?   Let’s face it, 2023 […]

Any time that we do a State Of The Rate post we like to acknowledge and give many thanks to our industry colleagues who compile data and present us with excellent and concise economic updates.   A big shout-out to Dr. Sherry Cooper Chief Economist for DLCG, Bruno Valko VP of RMG Mortgages, and all of […]

In this series, we are diving deep into the fine print of mortgage contracts and explain the terms.  I also want to explain the mortgage elements that are important to me.  I hope every existing mortgage holder and every soon-to-be mortgage holder will read this series of posts on social media and our blog.  Please […]

I’m entering my 28th year of financial services this year.  I have worked for two major banks, two financial services firms, and a life insurance company and of course worked independently as a mortgage broker, life insurance agent, and financial advisor.  I am a big believer in reading all of the fine print, and the […]

If big box retailers can start selling holiday items in July, I certainly can get our clients ready for Cottage Season in January! This is the time of year when you may be able to find your dream cottage or vacation property and even get a bit of a deal.   If you follow REALTOR.ca you […]

Winter has finally hit!  What is more sobering than an arctic blast of -30 degrees Celsius?  This cold snap is a great reminder to anyone who is looking to purchase a new home, rental property, or vacation property to get pre-approved and lock in a rate, just in case inflation rears its ugly head once […]

As a mortgage broker who often and regularly advertises “The Best Rate”, “The Lowest Rate”, “The Greatest Rate” and even “The Best, Greatest, & Lowest Rate”, being asked what our best rate is can sometimes be maddening and a double-edged sword. Allow me to explain. One of our treasured and valued REALTOR partners referred a […]

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 – […]

Dear Valued Clients and Future Friends, As the year draws to a close, we reflect on the journey we’ve shared with gratitude and joy. Thank you for entrusting us with your dreams and financial aspirations. Your trust has been the cornerstone of our success. As we step into the New Year, we extend our warmest […]