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 transparent, education focused, low rate mortgage service and our community.

  • Considered a Canadian mortgage thought leader:  Get personalized answers to your questions, pre-approval information and quotes for exclusive low rates you won’t find elsewhere.
  • 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 options and approval results.
  • Certified Financial Planner (CFP®) credential: Complimentary advice to save on taxes, optimize wealth creation, become mortgage free and retire sooner.
  • Determined to lower your rate and help make your approval a breeze.
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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.

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Hey mortgage fans, check out this weeks mortgage report for our best mortgage rates and market analysis! Some important updates this week, read in 1 minute!👇

5 YR: 4.69%
3 YR: 4.99%
2 YR: 5.89%
VRM: 5.84%…

I don’t understand the value of Ontario promotional TV ADs… ‘Ontario innovation partner’… ‘Ontarios electric’…

Ontario spends millions on ADs, in Ontario, that do nothing…

I’d love it if ‘Ontario facilitated zoning to build more homes’

Todays uptick on Government of Canada Bond Yields will likely:

- Push out consensus expectations for the first 2024 BoC rate cut to June

- Result in fixed mortgage rate increases across the market of at least 0.10% - 0.20% within a few days


In January US CPI inflation fell to 3.1%, however above the market expectation of 2.9%

Core CPI/inflation was unchanged

This news sent US and Canadian Bond yields sharply higher and will push out market expectations for the first rate cut in Can & US

On a recent trip to Puerto Vallarta I bumped into an appraiser

This is his opinion on how to buy:

- Save 25-30% buying off the beach. Most owners spend little time on beach, its the ocean view that counts

- Buy a small parcel of land 20 mins out of town, build. Save ...50%

- Buy…

January US CPI: will be focusing on the broadening out of dis-inflation. Where to look? Services which is up 5% Y/Y & services ex-energy which is up 5.3% (shown below). The evolution of this data may provide insight on when rate cuts happen (May vs. June or later) as well as…

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

5 YR: 4.74%
3 YR: 4.99%
2 YR: 5.89%
VRM: 5.84%

...Uninsured (Equity…

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