An Independent Mortgage Broker
After a sluggish end to 2023 and a hopeful start to 2024, Canada’s housing market was showing signs of life—until it wasn’t. Fast forward to early 2025: home sales fell nearly 10% in just one month, the steepest drop in years. In Toronto alone, sales plummeted a staggering 30%.
But here’s the twist: this isn’t bad news for everyone.
For investors with a keen eye and steady nerves, this dip is actually a golden opportunity.
Let’s talk about a little-known mortgage move that could save you thousands—without you needing to cough up a penalty fee out of pocket.
Welcome to the spookiest month of the year! Not just because the ghosts and ghouls come out to play, but also because we can expect yet another rate hike from the Bank of Canada in a few short weeks on October 26th. But believe it or not, I’m not back on the blog after a year long hiatus to talk about the overnight rate or its affect on variable rate mortgages today – that’s a subject that’s been getting more than enough air time.
In my interview with Chris, we discuss when do lenders require an appraisal, how the appraisal process has changed since COVID-19 started and tips for homeowners to ensure the appraisal process goes smoothly.
In 2020 she and her husband took the plunge and bought a house in Canada in the midst of the Coronavirus pandemic. They called on my services to help them get a mortgage and were able to savour the joys and surprises of homeownership.
I’ve been pretty lucky the last couple years. After my roof was damaged by a windstorm a couple years ago, my roof has been perfectly fine since then. That is until a severe thunderstorm in June.
I remember it like it was yesterday. The rain was coming down like the monsoons. Lightning lit up the sky. The boom of thunder made the hair stand on the back of my neck.
In my interview with Robin, we discuss some of the issues to consider when deciding to renovate or move, what COVID-19 may mean for the future of housing and personal finance as it relates to affordability.
In my interview with Nathalie, we discuss why you might consider having your partner sign a cohabitation agreement when moving in together, what’s a matrimonial home and the property rights of common-law partners versus married spouses.
In my interview with Lesli, we discuss why someone might consider the co-ownership of real estate, how weOwn.ca came to be and the life-changing benefits of co-ownership.
In my interview with Anthony and Adrian, we discuss factors to consider when buying an investment property, why you might choose to do rent-to-own for your investment property and tenant screening.
