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 […]

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 […]