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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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The real price of gas in Ontario, without the imbedded taxes
Retiring your mortgage means higher cash flow, more savings and financial flexibility
The best advice is to plan mortgage freedom before retirement
But more are opting to refinance at ~$500/mo per $100,000, and downsize later in retirement
This trend is likely to continue
🇨🇦 CPI/ inflation held steady in May at 1.7%, in line with market expectations
Lower energy and tourism prices pulled down inflation, while higher rent and cell phone prices blunted the downward trend
Today’s release has minimal effect on bond yields/ fixed mortgage rates
Bond yields fell off recent highs on more dovish messaging by the US Fed that its looking to cut its rate at least 2 more times in 2025
Markets are still pricing in only one BoC cut in 2025, however a surprise in this weeks CPI and GDP releases could change this
Most would agree that it’s normal to spend dozens of hours over months planning a one day wedding ceremony
But how long do we spend planning 30-40 years of retirement?
The only policy lever to increase housing market activity in Canada is the removal of the B-20 stress test.
OSFI is currently conducting a year-long review that will conclude in Q4. If they remove the MQR, I think it would probably help start a recovery later in 2026.
Fixed mortgage rates are very low relative to government of Canada Bond Yields, with less than 1% spread in some cases
This points to heavy competition and good value in fixed rates currently
We could see fixed rates drop .25% if BoC cuts .50-.75, or increase .50 if no cuts
RBC now calling no more BoC cuts in 2025:
“We have removed further interest rate cuts from the Bank of Canada as direct trade uncertainty facing Canada recedes, while the inflation outlook remains uncertain.”
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.