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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The TSX Composite Index is up over 1% today despite major energy losses
In comparison, the S&P500 is up just 0.85% despite major energy gains
The strength of 🇨🇦 Precious metals and Banks within the global economy is undeniable
Bond Yields ended 2025 where they started:
At the beginning of 2025, markets projected BoC cuts. But in early 2026 markets are pricing a BoC hike.
Bond yields/Fixed mortgage rates are a leading indicator
Variable mortgage rates are a lagging indicator
Canadian politics may have officially forefitted a multi-generational wealth building opportunity in Canadian oil
With low cost Venezuela oil coming online, what were once viable investments in Canada will become less so
It turns out, timing was everything
It’s a new year, man does time fly!
Wishing everyone the very best in health and prosperity in 2026
Cheers
Yeahhh… unfortunately not in 🇨🇦
BREAKING: Elon Musk says double-digit GDP growth is coming within 12 to 18 months.
🚨BREAKING 🇨🇦 real GDP decreased 0.3% in October, in line with expectations
This offset a 0.2% increase in September, and for the previous 9 months, resulting in overall flat 🇨🇦 real growth in 2025
Bond yields remain relatively unchanged on the news
The Big Banks have increased their discretionary fixed mortgage rates, with slight upward pressure remaining on rates
5 YR bond yield technical support is forming in the 2.70% range, so it’s unlikely we’ll see significantly lower fixed rates in the coming weeks
Oil prices have sunk to 2021 lows in the $55 range
Considered to be the 'death zone' for producers in 🇨🇦
This has a far worse effect on $CAD and 🇨🇦 bond yields than threats from the Orange Man...
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.