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.
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:
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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…
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,…
Canadian Real GDP per capita is down ~ 2.3%% in Q4 2023 for a total of 6 quarters or 18 months of negative growth!
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
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.