Helping Homeowners Reduce Interest, Pay Off Their Mortgage, and Build Wealth Faster

Brent Richardson

Principal Mortgage Broker, Certified Financial Planner (CFP®), 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.
  • Determined to lower your rate and help make your approval a breeze.
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.

Join the Community!

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

Too busy locking in fixed rate mortgage renewals to post much (37+ lock-ins in the last week)…

But just an FYI last time 5 YR Bond yields were 3.80%, most 3 YR fixed rates were closer to 5.75%

4.84% 3 yr renewal still available for many

Consumer spending in Canada is seen as reversing, even with rates peaking out... this is not good news for a June rate drop... buckle up for a bumpy 2024...

According to a trusted doctor family member, there are enough doctors in Canada to perform advanced surgeries, such as hip replacements

The problem is, the local health networks (ie. LHINs), won't pay for the hospital space to complete them

And there's still a GP ...shortage...

The biggest problem for most investors and advisors is that they are trying to time the markets.

Every time you get the itch to do so, consider that your are competing with the most sophisticated asset managers spending billions to win in markets.

How to Approach Investing

A long-term investment approach and perspective is better than taking a meme-stock investment approach. Excerpt from Boosting Your Financial IQ...

Canada announces direct linkage for lenders to CRA to prevent mortgage fraud. Its about time!

Also, with full CRA access (with client consent), this linkage should make it easier for many to complete their mortgage application without scrambling for tax docs!

Canadian Pension Plan (CPP) is a tail risk hedge.

It protects against 3 risks, and some of those risks increase as you get older:

1. Inflation
2. Sequence of returns
3. Longevity

It's like insurance.

If you end up needing it, it will be money very ...well spent.

Seeing a major uptick of clients make large payments against their mortgage or complete pay out at renewal time

An income tax favourable, guaranteed return of ~5%, and an increased cash flow with no mortgage payment is looking pretty good these days…

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.