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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Bank of Canada: Expect Lower Living Standards
The Best Chart I'll post in 2025
The Toronto Blue Jays pulled off an epic rise from 2% probability of winning the World Series in July, to 6% probability just 2 weeks ago, to 68% today
What a story!
Go Jays!
(chart c/o Polymarket)
Just 53 new condos sold in the entire city of Toronto for September. Wild.
🚨 BREAKING: Bank of Canada cuts by 0.25%, from 2.50% to 2.25% - an unprecedented second cut in a row with core inflation continuing to rise above its maximum 1% - 3% target range
🇨🇦 economic deterioration continues to outweigh inflation concerns in a big way
What will the BoC do in 2026-2027?
The 2 YR 🇨🇦 Bond Yield is an approximate guide projecting the average BoC overnight rate over 2 years
Current BoC rate is 2.50%
At 2.36%, 2 YR is saying one more 0.25 cut, then upward pressure
If lower than 2.25% that ...could spell 2+ cuts
Odds of a 0.25% BoC cut this Wed Oct 29, remain at ~83%
A second BoC cut, driven by negative sentiment as US trade talks stall, becomes more realistic
However sticky inflation in Sept + declining GDP = a growing case for stagflation
Inflation needs to drop for further ...cuts
My call on INTC before it doubled
The thesis, based on the book 'Chip War', was politically and economically based - not as much on company financials
If $INTC with a $100B market cap gets just a vapor whiff of the success of $NVDA with a $3.5T market cap, that easily makes INTC a double
INTC does not need to be the leader, it just needs to get in the game… I believe it is getting there…
*Not intended for investment…
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.