Optimize your mortgage. Grow your wealth. Retire sooner. 

Let Brent Richardson and the Altrua Mortgage team show you how…

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 rate and help make your approval a breeze: Average mortgage savings are $1,000+ per year, or $25,000+ over the life of a mortgage.
Mortgage Amount
Term
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.

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 starting point to discuss reaching your financial goals. Get comprehensive yet understandable 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 first time buyer programs, paying down your mortgage faster Vs. RRSP or TFSA, using your mortgage as a wealth building tool 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.

Setbacks in life are inevitable. We hope the setbacks wont 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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My 16 year old niece couldn't get a summer job, so she goes to over populated local parks selling water and pop netting $40 per hour

For every problem, there's a profit

Canada sheds 1,400 jobs in June vs an expected gain of 20,000 jobs, pushing the unemployment rate up to 6.4%

This economy could get really ugly fast...

Did Trudeau/Liberals fail over the last 8 years?

Most would argue yes

But they accomplished exactly what they wanted

They succeeded in following WEF protocol, dismantling and irreparably altering CDN institutions to the extent that most believe there wont ever be change

Housing affordability improved by 3.8% to 60% of median household income which is a start

However affordability is still close to all time worst levels and there is a still a long way to go

Barring a more extreme global/ financial system 'event', its getting less likely that lower mortgage rates will stimulate housing prices in Canada over the next 1-2 yrs

We have recently seen 5 year fixed rates at 4.39% insured and 4.79 - 4.89% uninsured, lead to buyer housing

WORST CASE for housing affordability would be increased amortizations, per Desjardins.

"Affordability Is Still Unlikely to Return to Pre-pandemic Levels during the Forecast Window per Desjardins"

Breaks are pumping hard on fixed mortgage rate drops as CDN Bond Yields creep higher

Yields/ fixed rates could move again based on this weeks US/CDN employment data

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.