Altruism (al-tru-ism): is the belief and practice for the well-being of others.

This reflects Brent Richardson and the Altrua mortgage team’s approach to education first, transparent, low rate mortgage service and our community.

Brent Richardson

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

  • Considered a Canadian mortgage thought leader:  Get personalized answers to your questions, pre-approval information and quotes for exclusive low mortgage rates.
  • 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.
  • 100% success rate: We have never had a pre approved mortgage application that we couldn’t close. Our clients are some of the happiest leaving over 150 5-star reviews.
  • Certified Financial Planner (CFP®) credential: A unique tool set to help you reduce interest costs, save on income tax and build wealth faster.
  • Average savings are $1,000+ per year, often $15,000+ over the life of a mortgage.
Mortgage Amount
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.

Daily Coverage of the Canadian Mortgage Market

>> Follow on the X platform for financial advice, timely market updates and answers to your questions <<

US FED (discussion) Minutes indicate higher for longer

The FED reserve believes current restrictive rate is not as effective due to long term mortgage and corp. refinances at lows

Canada, in far worse condition is stuck between a rock and a hard place

Image for twitter card
Federal Reserve minutes: Policymakers saw a longer path to rate cuts

WASHINGTON (AP) — After several unexpectedly high inflation readings, Federal Reserve officials concluded at a meeting earlier this month that it...

Hey Fintwits, REtwits, here’s a question for you: Regarding real estate asset prices/ values, which would you rather see?

When I say that Bitcoin is a currency of distrust, I'm just repeating what Bitcoin fans themselves say. There may be good reasons not to trust the banks and governments that create dollars, yens, and other currencies – but that doesn’t change the fact that the preference for

If the first .25 rate cut happened in July or September instead of June what would happen?

Not much for mortgage/lending rates

Alot towards psychology/sentiment

Even more for economic oversupply and buffer against re inflation

We do NOT need another ...'oops' hike in 6 months

BREAKING: April CPI/ headline inflation came in at 2.7%, down from 2.9% in March

CDN inflation continues to head in the right direction, validating the likelihood of a BoC rate cut within the next few months

Impressed by the smartwatch functionality from Swiss device manufacturer @Garmin

They design instruments for flight and Marine navigation and other high-end precision measuring devices

This model seems to have the most features, at the lowest cost:


Forward inflation guidance for April:

Next weeks CPI report is expected to show further softening, with headline inflation coming in at 2.7%

Preferred BoC inflation measures (CPI 'median', 'trim') generally trending down

We'll see on Tuesday, ...enjoy the long weekend!

It's no secret mortgage business is down. Here are two monthly expenses I will not give up:

- Twice/ week English tutoring for daughter: $450/mo

- Taikuando lessons for daughter: $400/ mo

Sometimes it helps to drive a paid for Honda...

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.