Lower your mortgage rate. Grow 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 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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BREAKING: Bank of Canada Cuts the overnight/ prime lending rate by 0.25%, as widely expected

The second in a series of 4 projected cuts in 2024, or a full 1% off variable mortgage rates

BREAKING: The US Treasury yield curve is on the verge of turning positive for the first time since 2022.

The difference between 10-year and 2-year Treasuries has been negative since July 6, 2022.

In other words, the yield curve has been inverted for a record 747 days.

In ...past

With many variable rates likely heading into the mid 5% range next week, we'll probably see a swing in preference from short term 1-3 yr fixed to variable rates, and also to 5 yr fixed in the mid 4% range

Terrible Cdn retail sales print. Worst I've seen since early days of COVID. Big drop in core sales.

Cdn consumers really starting to feel it

Worth a look at $OGI, with a highly scalable international franchise in a growth market, almost $200 mil on hand, trading⬇️book, and partnered with with $BTI massive international legal + marketing expertise... Maybe worth a second look

*High risk* Not financial buy/sell advice

Federal Office of the Superintendent of Bankruptcy is hiring 12 Bankruptcy analysts... Sounds positive...

https://emploisfp-psjobs.cfp-psc.gc.ca/psrs-srfp/applicant/page1800?toggleLanguage=en&poster=2201281

StatsCan reporting rent inflation is surging to 8.8%, but in most provinces the ability to ⬆️ rent is limited to ~3% annually

This means:

- The relatively smaller % of new unit renters are causing this

Or

- StatsCan is creating a hypothetical number, applying... it arbitrarily

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.