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.
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:
Wealth Accumulation
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.
Estate Planning
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.
Protection Planning
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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If $INTC with a $100B market cap gets just a vapor whiff of the success of $NVDA with a $3.5T market cap, that easily makes INTC a double
INTC does not need to be the leader, it just needs to get in the game… I believe it is getting there…
*Not intended for investment…
Today’s best variable rates are now just 1-2 cuts away (0.50%) from undercutting todays best 3 YR fixed rates
BREAKING: Bank of Canada cuts by 0.50%, bringing the overnight rate to 3.75%, its lowest level since October 2022
TD Bank Chief Economist is uniquely projecting a 0.25 cut at tomorrows BoC meeting
Canada's central bank is set to announce its latest rate decision on Wednesday.
ca.finance.yahoo.com
Implied market odds of a 0.50% BoC cut this week are 90%, and a total 1.75% of cuts by November 2025
However if Tiff surprises the market with only a 0.25% cut this week, expect slightly higher bond yields and fixed mortgage rates
Lately on client calls, I’ve been telling about 50% of clients they can get a slightly better rate elsewhere…
Interestingly, about half of these calls result in business
People crave transparency and honesty as much if not more than 0.10%
$WBA up 21.5% in the last 2 days… One of the top 3 pics along with $INTC and $OGI
Not investment advice
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.