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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🇨🇦 bond yields plunged on weak 🇺🇸 jobs data, and spiked the odds of a 0.25 US Fed cut in Sept to 96%
However, chances of a Sept BoC hold remains high at 77%, as 🇨🇦's effective 🇺🇸 tariff rate is ~6.3% due to CUSMA
Look out for 🇨🇦 jobs report ...Friday for potential yield swings
*BREAKING* The Bank of Canada extends its pause for a third time, holding its overnight rate at 2.75% as it monitors inflation and economic uncertainty
Most lenders have increased fixed rates ~0.10 but one rebellious big bank actually lowered their 5 yr fixed insured, as low as 3.84% through our Brokerage
BoC cuts not likely this month or September, however if job losses materialize in the Fall we could see a cut by years end
Core inflation concerns in 🇨🇦 and 🇺🇸 continued to push Bond Yields higher, with the 2 YR Bond currently indicating a BoC hike in early 2027
Given no BoC cuts priced in, that variable rates are higher than fixed is an anomaly, with a high potential fixed rates rise ~0.25% soon
June headline CPI/inflation came in slightly higher at 1.9% vs 1.7% in May
The BoC preferred measure of core inflation remains elevated at 3% indicating the BoC is likely to hold
Expectations are for inflation to continue nudging up, given deficit spending and protectionism
What was once the crown jewel of Canadian tech is turning into rental apartments
Revealing of how Canada has evolved over the past 20 years
Former Blackberry offices could be transformed into thousands of apartments https://www.ctvnews.ca/kitchener/article/former-blackberry-offices-could-be-transformed-into-thousands-of-apartments/?cid=sm%3Atrueanthem%3Actvkitchener%3Atwitterpost%E2%80%8B&taid=68759a21d530ed0001d57043&utm_campaign=trueAnthem%3A+Trending+Content&utm_medium=trueAnthem&utm_source=twitter
Fixed mortgage rate hikes of 0.10-0.20% appear imminent as 5 YR bond yields surged above 3% on employment strength in June
Financial markets are no longer fully pricing in a BoC rate cut in 2025, however this could change
Tuesdays inflation report is expected slightly higher
BREAKING: 🇨🇦 unemployment in June surprised, falling by 0.1% to 6.9%
Despite a new round of 🇺🇸 trade threats, bond yields leapt to recent highs of nearly 3%, increasing fixed mortgage rate pressure
🇺🇸 can beat any country one on one in a trade negotiation
But can you imagine if the rest of the world coordinated in a retaliatory tariff and boycott of 🇺🇸 brands?
They’d shrivel
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.