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 markets are confused right now, but mark my words: Asset prices and inflation will rip - despite economic conditions
We just need a World Series in Canada every week...
Besides the one-off event, consumer spending has stayed resilient due to pent-up demand, it says.
ca.finance.yahoo.com🚨Mortgage Rate Increase
One of our top big bank lenders is increasing their 4 and 5 year fixed rates by 0.05% tonight at midnight
Not a lot, but this could easily be $1000+ for many homeowners, and there could be another 0.05% increase again soon
The BoC deliberations for October's meeting have been released
Although the Governing Council agreed that a cut was needed, the timing of this cut was hotly debated behind the scenes
The cut was almost pushed out. Here's why:
🧵👇
The writing is on the wall
🇨🇦 rental housing supply will continue to explode under the Federal Budget's increased Canada Mortgage Bond (CMB) funding
This will ultimately put downward pressure on new construction and resale home values
Here's why 🧵👇
Buy Now, Pay Later in 🇨🇦
Pay Pal says, 'Why Not...' tapping into 🇨🇦's debt romance
PayPal says such loans can help consumers better manage their finances but overspending remains a risk.
ca.finance.yahoo.com
You can't outrun a bad diet.
And your investment returns won't overcome a low savings rate.
The biggest driver of your long-term wealth is how much you regularly save and invest.
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.