Lower Your Mortgage Rate. Build Your Wealth. Retire Sooner.

See how we can plan your mortgage to help you save and grow up to 10x faster

Brent Richardson

Principal Mortgage Broker/ Owner, Certified Financial Planner (CFP®)

  • Considered a Canadian mortgage thought leader: Get personalized pre-approval information and quotes for exclusive low mortgage rates – no fees, no hard credit check, no obligation. All application types are welcome.
  • Over 16 years of industry experience with 1800+ mortgages personally approved: Get a fast 1 day approval, increase your approval limit, or lower your payment and rate. Get more options and better approval results.
  • Certified Financial Planner (CFP®) credential: Complimentary advice to save on taxes, optimize wealth creation, become mortgage free and retire sooner.
  • We’re determined to lower your rate and help make your approval a breeze: Clients save $1,000+ per year on average, or $25,000+ on average over the life of a mortgage.
Mortgage Amount
Term
Lowest Rates
Payments Starting At
 
1 Year - Fixed
%
$0 /mo
2 Year - Fixed
%
$0 /mo
3 Year - Fixed
%
$0 /mo
4 Year - Fixed
%
$0 /mo
5 Year - Fixed
%
$0 /mo
5 Year - Variable
%
$0 /mo
*Intended for illustration purposes only.

Level Up Your Mortgage Game With a Certified Financial Planner (CFP®)

Home ownership and the mortgage may be the biggest part of your financial picture, and can play a major role in helping you reach your financial goals. Get advice to reduce interest costs, save on taxes and build wealth faster. Keeping your mortgage approval in focus, we can discuss the following at your option:

Optimizing wealth building strategies, even slightly, can have a major compounding effect over time. Conversations can include how to use your home equity more effectively, and how to build wealth more efficiently while becoming mortgage free sooner.

The are few certain things in life, except for death and taxes. The government already has an estate plan for you, but you probably won't like it... Speak for your assets, save on taxes, and probate fees. Conversations may include purchasing a property tenancy in common vs joint tenancy, what to add or remove from a will or power of attorney, if a trust makes sense and more.

Setbacks in life are inevitable. We hope the setbacks won’t be too big. But no matter what happens a good plan will have you covered.

Daily Coverage of the Canadian Mortgage Market

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The 3 year fixed rate is still the most popular in Canada

Why?

Because pre covid rates were 2-3% range, which provides hope this will return

But post covid is different with 🚀deficits and inflationary policies, its more likely fixed rates 📈than 📉 in this ...environment

The 🇺🇸election this week will have an impact on 🇨🇦 mortgage rates, with higher bond yields/ fixed rates correlated with a Republican win

Meanwhile implied odds of a 0.50% BoC cut in December have notched up to 46%

BoC when increasing rates: 'We're not in the business of reducing housing prices'

BoC when cutting rates: 'Growth in the housing market is central to our planning'

Bad news on bad news folks... 😔

Even with todays report of 🇨🇦 GDP weakness, bond yields are still nudging higher increasing fixed mortgage rate pressure, and market odds of a 0.50 BoC cut remain pretty low at 25%

The problem Canadians face with a 📉dollar is MASSIVE re inflation

If an Orange imported from California costs $1 USD

If the USD/CDN conversion goes from 0.75 down to 0.50, or ~33%

It now costs 33% more to buy that orange in 🇨🇦

And that is absolutely ...where we’re heading

If (1) the US fed does not cut rates as much and (2) if the economy is more sensitive to inflation today than pre pandemic, its more likely the policy rate settles in the mid-upper neutral range (2%-2.25%)

Serving the Best Mortgage Rates in Ontario

We’re Ontario mortgage brokers serving clients the best mortgage rates in Ontario. We use encryption and high-level security to ensure your information and privacy always remain safe. Our approval process has been engineered from start to finish with you in mind, for a pleasant and enriching mortgage experience. Connect with us today and see the difference for yourself.