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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🚨 BREAKING 🇨🇦 real GDP increased by 0.6% in Q3 vs estimates of 0.5%
Growth was driven by an increase in government spending and oil exports
However, Statscan warned these results are subject to ‘larger revisions than usual’ as early estimates for Q4 point to a drop ...in GDP
This, my friends, is what we call a Ratioed tweet...
This afternoon, I informed the Prime Minister of my decision to resign as Minister of Canadian Identity and Culture, Minister responsible for Official Languages, Minister of Nature and Parks Canada, as well as his Lieutenant in Quebec.
You can find my full statement below.
Apparently, we have Thanksgiving day in 🇨🇦 today too...
"Steven Guilbeault has resigned from Prime Minister Mark Carney’s cabinet, citing his strong opposition to the federal Liberal government’s major new energy agreement with Alberta."
https://www.ctvnews.ca/politics/article/guilbeault-resigning-from-carneys-cabinet-on-same-day-pm-signs-alberta-pipeline-mou/
It all sounds good, but at this point I’ll believe it when I see it
BREAKING:
The Alberta and Canadian governments have reached a historic agreement that will unleash the Alberta energy sector, create tens of thousands of jobs, and attract billions in new investment.
This deal includes the potential for an additional 1.4 million…
Stagflation - a brutal combination of elevated inflation and economic decline is likely already here in 🇨🇦
Central bank is more likely to do very little in terms of rate moves, according to former Bank of Canada governor
ca.finance.yahoo.comIncome is stagnating for young Canadians - RBC
Consumer spending sank by 0.7% in Sept, and estimates of continued weakness in Oct add further evidence of a consumer recession
Nevertheless, the inflation (stagflation) threat outweighs economic deterioration, with upward pressure remaining on fixed mortgage rates
Canada is facing a Productivity Emergency, or so said Carolyn Rogers of the BOC in March of 2024.
This week, Nicolas Vincent of the BOC raised the alarm again. https://t.co/rOKOM1RKad
The only sustainable way to improve the standard of living of Working Class Canadians is…
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.