Helping Homeowners Pay Off Their Mortgage, Build Wealth, and Retire Sooner

Brent Richardson

Certified Financial Planner (CFP®), Principal Mortgage Broker, President of Altrua Financial Inc. 

  • Over 16 years of industry experience with 1800+ mortgages personally approved: Get a fast 1 day approval, increase your approval limit, lower your payment and rate. Get better mortgage options and approval results.
  • Considered a Canadian mortgage thought leader:  Get personalized answers to your questions, pre-approval information and quotes for exclusive low mortgage rates.
  • Certified Financial Planner (CFP®) credential: A unique tool set to help you reduce interest costs, save on income tax and build wealth faster.
  • Complimentary Financial Planning available when we arrange your mortgage: We aim to add exponential value and confidence to your financial world by integrating your mortgage into a comprehensive, highly personalized Financial Plan. We strip away financial confusion by focusing on education and long term guidance.
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*Intended for illustration purposes only.

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

The mortgage may be the biggest part of your financial picture, and can be a great starting point to discuss reaching your financial goals. Get unique advice to plan for your first home, become mortgage free sooner, pay for kids education, and retire earlier with more. Keeping your mortgage approval in focus, we can discuss the following at your option:

Reducing income taxes substantially is possible for many, but requires planning. Discussions can include making interest tax deductible, income splitting, pension/benefit optimization, RRSP, TFSA and other strategies.

Optimizing wealth building strategies, even slightly, can have a major effect over time. Conversations can include paying down your mortgage faster Vs. RRSP, improving performance without adding risk, rental property wealth building and more.

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.

The best plan is only as strong as its biggest weakness. So it can make sense to discuss options on such things as how to protect your income, protect your home, and family.

Leaders in Canadian Mortgage & Financial News

>> Stay well informed with daily mortgage news, rate analysis and tips on your favourite Social Platform <<

Hey mortgage fans, check out this weeks mortgage report for our best mortgage rates and current market analysis in 1 minute!👇

Insured:
5 YR: 4.54%
3 YR: 4.89%
VRM: 5.84%

Uninsured ...(Equity…

With 5 YR fixed mortgage rates as low as 4.54% its time to take a closer look:

- With comparative VRMs ~6%, this prices in ~1.5% worth of BoC cuts

- Fixed results in savings until VRM is below 4.54%

- VRM may plateau high 3% during this cycle or ~2% total cuts

-... For short…

BREAKING: As expected the Bank of Canada holds its overnight rate at 5%

Today marks the 2 year point since the FIRST 0.25% BoC cycle increase in March 2022. The full effects of the first rate increase are just starting to set in

The CMHC 'shard ownership' 5%-10% borrowed down payment program for first time buyers, has been discontinued

What does this mean for the 99.999+% of buyers that decide not to use it?

Absolutely nothing

Hey mortgage fans, check out this weeks mortgage report for our best mortgage rates and current market analysis in 1 minute!👇

Insured:
5 YR: 4.69%
3 YR: 4.99%
VRM: 5.84%

Uninsured ...(Equity takeout,…

BREAKING: Canada GDP grew by 1% in Q4 2023, exceeding Bank of Canada expectations of 0% growth, and market projections of 0.8% Q4 growth

Real GDP growth remains flat, with Real GDP per capita remaining in negative growth territory

Market pricing in rate cuts for June/July

Hey mortgage fans, check out this weeks mortgage report for our best mortgage rates and market analysis in less than 1 minute!👇

Insured:
5 YR: 4.69%
3 YR: 4.99%
VRM: 5.84%

Uninsured ...(Equity…

As much as I enjoy Mortgage Brokering, I’ve been spending a heck of a lot of time lately CFPing and gotta say I love it

It completes the picture and until I’m top ~ 1%, I wont be charging the $5000+ ‘fee only’ charge to create the plan

Our clients are some of the happiest. Here’s what they’re saying.

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.