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: 🇨🇦 added 54,000 jobs in November bringing the unemployment rate down to 6.5%
Although gains were concentrated in part time employment, this was still enough to send the Canada 5 Yr Bond Yield up ~ 5% in early trading
Fixed mortgage rate increase is imminent
A recipe for Stagflation in 🇨🇦
1. Prices rose rapidly during COVID and never fully came back down
2. Prices are still rising too quickly today (3–4%)
3. Real economic activity is weak
4. Interest rates must stay high, which suppresses growth but doesn’t... fully cure inflation
Financial markets are modestly pricing in a BoC hike by the end of 2026
Even though this will probably change 27 times, it is the base case today
H/T @MtgLogicNews for the chart
There is no endgame for Government debt
The only plan: More
This WILL be inflationary
Own appreciating assets, manage depreciating debt prudently
If you cant beat 'em, join 'em
The writing is on the wall...
Higher Japanese bond yields crushed Bitcoin yesterday
But this could be the sting before the deeper pain sets in
How will 🇯🇵 bonds affect interest rates globally and in 🇨🇦?
We'll unpack this in today's🧵👇
Friday's 'strong’ Q3 GDP release failed to move bond yields, as Q4 GDP expectations and US trade sentiment are lower
However the Japan bond yield spiked Monday morning, sending shock waves through global bond markets
Slight upward pressure remains on fixed mortgage ...rates
🚨 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.
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.