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 rate and help 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 play a major role in helping you reach your financial goals. Get advice to reduce interest costs, save on taxes and build wealth faster. Keeping your mortgage approval in focus, 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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The Ontario and Federal governments have invested $ hundreds of millions into this plant, with earmarked subsidies of up to $15 Billion
Stellantis just sold its stake for $100
WINDSOR — Automaker Stellantis is selling its stake in its joint venture battery manufacturing plant in Ontario to its partner, LG Energy Solution.
ca.finance.yahoo.com
Limp 0.1% GDP growth in November 2025, and early estimates for flat growth in December were mostly priced into Bond Yields, keeping fixed mortgage rates on firm ground
We also expect the BoC and VRM to hold for 2026, barring a US trade negotiation breakdown
🚨BREAKING: As widely expected, the Bank of Canada holds its overnight rate at 2.25%
Markets are pricing a ~70% chance that the BoC and the variable rate mortgage have found their happy place for the rest of 2026, with bank prime at 4.45% and VRM 'prime minus' discounts at ~1%
Risk management is not the opposite of wealth building
It is what allows wealth to compound uninterrupted:
Invest consistently
Stay invested during volatility
Avoid forced sales
Unfortunately we’ll never know what was actually said on that call…
But it is interesting to hear the top American in finance arguing FOR US Canadian trade
What happened to ‘we don’t need Canada’?
🚨BREAKING
Scott Bessent says that Carney called Trump while he was in the oval office
and WALKED BACK much of his Davos speech
Canadians will never know the Canadian version of this, because the PMO doesn't actually release details like this.
Get a deeper analysis of the current 🇨🇦 🇺🇸 trade debacle and see how my portfolio is positioned to withstand, and grow, from the uncertainty in this edition of the Rich Report
The trade war sequel no one asked for — but knew was coming
www.richreport.ca
The BoC meets this Wednesday, with an 87% chance of a hold
Amidst all the political noise, financial markets are relatively calm, with bond yields/fixed mortgage rates holding steady
We continue to see various lender specials pop up/down, causing the best rates to fluctuate
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.