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.
In my interview with Alex, we discuss barriers to homeownership, shared Equity to break into the market, co-owning the home with an investor.
In my interview with Shannon, we discussed several key topics. These included creating a budget that works effectively, highlighting what I call the “Beyoncé Factor” in personal finance. We also delved into strategies for saving money amidst the rising cost of living and the importance of making no-regret financial decisions, particularly when it comes to significant investments like buying a home.
In my interview with Pattie, we discuss the challenges of being house rich and cash poor, reverse mortgages, the importance of applying for a mortgage before retirement, and why downsizing is not happening with as many baby boomers.
In my interview with Alex, we discuss why Alex became a real estate agent, what is the process of owning a home and what are some creative ways to get your foot into the door of the real estate market.
In my interview with Owen, we discuss how to best prepare for your mortgage renewal, making lump sum payments vs investing (with higher interest rates this is a hot topic) and how to handle carrying a mortgage into retirement.
In my interview with Alfonso, we discuss what is Rent to Own (Rent to Home), why Rent to Own is more relevant now than ever before, and how to earn a great ROI by investing in Rent to Own.
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.
