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 mortgage rate and 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 be a great place to start discussing your most important financial goals. Get unbiased advice to reduce interest costs, save on taxes, retire sooner, and build wealth faster. Keeping your mortgage approval in focus, and with no associated investment or life insurance ‘sales’, we can discuss the following at your option:
Mortgage/Debt Planning
How do I safely balance a great lifestyle and home ownership costs? Do I repay my mortgage faster, or save more for retirement? Will I have enough saved for retirement after my mortgage is paid off? Am I taking advantage of mortgage related income tax savings strategies? Get answers to such questions that apply to your unique situation, and ensure the best interest rate savings, consistently over the life of your mortgage.
Income Tax Reduction
Reducing income taxes substantially is possible for many, but requires longer term planning. Discussions can include making mortgage interest tax deductible, income splitting, pension/benefit optimization, RRSP, TFSA and other income tax savings strategies.
Wealth Accumulation
Optimizing wealth building strategies, even slightly, can have a major compounding effect over time. Conversations can include portfolio reviews and how to build wealth more effectively with ultra low investment management costs (under 0.20% Vs. the standard 2%). Discover some of the most simple but profitable investment strategies that the investment industry doesn't want you to know.
Retirement Planning
Get answers to your retirement questions including: How soon can I retire? How much savings will I need to retire? How much will I have to spend each month from various income streams? Our advice only financial planning approach provides objective, unbiased answers to such questions.
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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🇨🇦 unemployment in November rose by 0.3% to 6.8% - its highest rate since Jan 2017 - as more people entered the labour force
This sent bond yields lower, adding support for a 0.50% BoC interest rate cut next week
Mortgages coming due in the 2nd half of 2025 have rates near 2% and will likely involve 200-300 bps increases - Equifax
According to data from the CRA, two people in Canada have TFSAs worth over $40 million.
Posted by MacOSAP - 621 votes and 213 comments
www.reddit.com🇨🇦 Q3 GDP per capita has fallen for an 8th quarter (2 Years of declines!) out of the past 9 quarters
GoC 5 YR Bond down ~ 10% in the past week...
Fixed mortgage rate pressure settled for now
Wouldn’t this be a blast!
The Longest Driveable Road in the World, the Pan-American Highway from the top of Alaska all the way to the southern tip of Argentina, it covers 19,000 miles and crosses 14 countries! 🗺️🇺🇸🇲🇽🇨🇴🇵🇪🇦🇷
Canada's economic growth is expected to have slowed in the third quarter of the year, well below the Bank of Canada's forecast
https://ca.finance.yahoo.com/news/quarterly-gdp-growth-expected-to-fall-short-of-boc-forecast-but-debate-over-jumbo-sized-cut-continues-162551793.html
Entered YYZ from a different country last Fri, as I do several times/ year
For years I’ve been through YYZ without question
This time was different
Notable questioning by 🇨🇦 customs that I usually experience entering foreign countries
Probably a good thing
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.