When it comes to choosing a mortgage, most people focus on one thing — the rate. And while getting a great rate is important, it’s not  the whole story. Some mortgages look like a great deal on paper but come with fine print that can cost you thousands later on — in penalties, restrictions, or missed flexibility. That’s why I always tell clients: before you sign anything, make sure you understand what you’re agreeing to. Let’s go over a few of the most common “gotchas” to wat

If you’ve started looking for a home, you’ve probably heard the terms pre-approval  and pre-qualification  tossed around a lot. They sound similar, and even some lenders use them interchangeably — but they’re not  the same thing. In fact, knowing the difference could be what saves you from falling in love with a home you can’t afford — or missing out on one you could. Let’s clear up the confusion so you can shop for your next home with confidence. 1. What a Pre-Qualification

When it comes to mortgages, most people focus on one goal: getting the lowest rate. And don’t get me wrong — that’s important. But here’s something I always tell my clients: The real savings come from how you manage your mortgage, not just what rate you get. There are smart, easy strategies you can use to shave years off your mortgage — without tightening your budget or sacrificing your lifestyle. Let’s go over a few of my favourites. 1. Switch to Accelerated Payments — Small

When it comes to choosing a mortgage, one of the first questions I get is: “Should I go fixed or variable?” It’s a great question — but here’s the truth: there’s no one-size-fits-all answer. The best option depends on you  — your goals, your comfort level with change, and your long-term plans. Let’s walk through the differences together so you can feel confident knowing you’re making the right choice for your situation — not just following what everyone else is doing. 1. The

When your mortgage term comes up for renewal, your bank will usually make things super easy  for you. They’ll send you an email or a letter with a simple “click here to renew” button — no meetings, no paperwork, no questions asked. Sounds convenient, right? But that convenience can quietly cost you thousands of dollars  over your next term. Let’s talk about why your renewal deserves just as much attention as getting your first mortgage — and how I can help you make sure you’r

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Did you know that 70% of homeowners just sign the renewal offer from their bank without shopping around? That’s like leaving free money...

Before you start shopping for your dream home, getting pre-approved is a must. A pre-approval tells you exactly how much you can borrow...

Choosing between a fixed-rate and variable-rate mortgage can feel like flipping a coin — especially in a market with unpredictable...

With so much online advice, it’s easy to fall for mortgage myths. Let’s bust a few: ❌ Myth: Fixed rates are always safer In reality, a...

Buying your first home is exciting — but it can also feel overwhelming. Between figuring out your budget, getting approved for a...

Thinking of offsetting your mortgage by renting out a suite or your entire home on Airbnb? Be aware: ✅ Lender restrictions Not all...

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In 2025, many Canadians continue to delay buying a home, hoping for lower interest rates or a housing market correction. But waiting...