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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.
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Low cost index based investing is widely considered a diversified and reliable long term wealth building strategy
A well operating Smith Maneuver strategy builds on this foundation, offering a strong likelihood of long term gains, but without the use of additional cash flow
Make your mortgage tax deductible ✂️
Pay off your mortgage years sooner 📉
Grow your wealth significantly 💵
With claims like these, its no wonder the Smith Maneuver has been getting more attention
People have a lot of questions about the Smith Maneuver, ...and I've had dozens
We're mortgage brokers in Ontario that aim to provide the best mortgage solution and rate. Free consultations and advice.
OK.... But how much weight should we put on the BoC estimate that they broadly missed by 1.5% in the quarter?
Bank of Canada says don’t put much weight on GDP data showing technical recession https://www.ctvnews.ca/business/article/bank-of-canada-says-dont-put-much-weight-on-gdp-data-showing-technical-recession/?taid=6a1db849a3539000015b26d1&utm_campaign=trueAnthem%3A+Trending+Content&utm_medium=trueAnthem&utm_source=twitter
What does 🇨🇦's recession mean for the BoC and mortgage rates?
Bond yield/rate pressure was down last week on the 1.5% GDP miss
However, oil reasserted its boss status over inflation pressure and mortgage rates Monday morning as Iranian war negotiations stalled
...More below 👇
Financial markets and economists are divided on whether the Bank of Canada will hike in 2026
Markets currently project 0.25-0.50% hikes in 2026
Economists on the other hand, are mostly projecting a BoC hold
Who do you think is right?
Details in the link ...below:
BREAKING: 🇨🇦 CPI/inflation rose 2.8% in April, up from 2.4% in March
Excluding gas prices, inflation was 2.0% in April down from 2.2%
A softer 🇨🇦 economy gives the BoC room to look through volatility as high oil/gas prices are unlikely to re-ignite broader inflation ...near term
Unemployment in 🇨🇦 rose to a 6 month high in April of 6.9% with the economy losing 18k jobs
Analysts had predicted a net gain of 15,000 jobs and an unemployment rate of 6.7%
Bond yields dropped easing pressure on fixed mortgage rates, as expectations fell to 1 BoC hike in ...2026
Bond yields spiked Monday as oil production facilities suffered strikes, adding significant upward rate pressure
If bond yields hold at current levels, further fixed rate increases of 0.10 - 0.20% are likely
Market odds of a BoC hike in Jun are 15%, and have hit 50% for Jul
Cleanup in aisle 3....
$GIS $KHC $CPB
What a mess...
But these 7% dividend payers are safe, and will still be here in 25 years...
Not advice...
Serving the Best Mortgage Rates in Ontario
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