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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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🚨NEW🚨🇨🇦Headline inflation leapt higher by 0.9% in March to 2.39% driven by higher gas prices
However core inflation which excludes gas came in at 2.25% - its lowest level in 5 years
Bonds were little changed as traders focus on the Strait of Hormuz/ forward ...indicators
If there's one takeaway for investors its this:
It's impossible to know what the markets will do and when
There is more pumping and manipulation involved now than ever
Keep some dry powder, but if this energy crisis didn't break the market, only a system ...collapse will
BREAKING: The S&P 500 closes at its highest level on record and officially posts its fastest recovery since 1982.
The S&P 500 has now added +$7.3 TRILLION since its low on March 30th.
Top News Paper businesses after the internet was set to destroy them completely...
Bond yields/ mortgage rate pressure are down on limp jobs numbers in March and lower oil prices
However oil remains $100+, which, along with increasing inflation, keeps a floor on rates
In this higher risk environment, we lean towards a 3 YR fixed rate at 3.99% or lower
Fixed mortgage rates continue to rise as multiple inflation indicators (manufacturing, PCE, PPI) reach multi year highs
But markets/ rates are not fully pricing this in
Markets are betting on a swift end to the war, but if we dont see deescalation soon markets will capitulate
Goeasy share price decline before Easter weekend🫣
If it weren't for the Iran war, a BoC rate cut would likely be on the table for 2026
"We're making a couple of pretty big assumptions," says the firm's chief economist.
ca.finance.yahoo.com
Mortgage renewal and refinance applications surge as fixed rates increase
According to one major bank, they are receiving over 3,000 apps/day from Brokers alone, with a maximum daily channel capacity of 500
However as bond yields level off, fixed rate increases should ease
RBC cuts earnings targets at Canadian banks as home values are expected to drop
Fundamentals remain strong, analyst notes, but history points to valuation limits.
ca.finance.yahoo.comServing 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.