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Independent writing on the mortgage decisions Canadians actually face. Real advice from a broker built on referrals, not scripts.

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Why You Shouldn't Lock a Fixed Rate Until You Understand What the BoC Isn't Saying post image
By Alan Gilman
Jul 26, 2026

Why You Shouldn't Lock a Fixed Rate Until You Understand What the BoC Isn't Saying

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Bank of Canada Holds Rates at 2.25%: Ontario First-Time Buyers Need This Pre-September Strategy post image
By Alan Gilman
Aug 7, 2026

Bank of Canada Holds Rates at 2.25%: Ontario First-Time Buyers Need This Pre-September Strategy

The 90-Day Rule That Lets Separated Ontarians Qualify as First-Time Buyers Again post image
By Alan Gilman
Aug 7, 2026

The 90-Day Rule That Lets Separated Ontarians Qualify as First-Time Buyers Again

The $1.5M Insured Mortgage Cap Lets GTA First-Time Buyers Put Down 5%, But Three Things Still Matter More post image
By Alan Gilman
Aug 7, 2026

The $1.5M Insured Mortgage Cap Lets GTA First-Time Buyers Put Down 5%, But Three Things Still Matter More

Montreal's 10% Sales Drop Isn't Cooling, It's Selectivity post image
By Alan Gilman
Aug 7, 2026

Montreal's 10% Sales Drop Isn't Cooling, It's Selectivity

Manulife's $2.1 Billion Quarter Masks a 22% Collapse in Canadian Earnings post image
By Alan Gilman
Aug 7, 2026

Manulife's $2.1 Billion Quarter Masks a 22% Collapse in Canadian Earnings

The CRA charges 1% per month on TFSA overcontributions, but most people can fix it in time post image
By Alan Gilman
Aug 6, 2026

The CRA charges 1% per month on TFSA overcontributions, but most people can fix it in time

GTA Listings Fell 18% in July, Creating the Year's Most Competitive Buyer Market post image
By Alan Gilman
Aug 6, 2026

GTA Listings Fell 18% in July, Creating the Year's Most Competitive Buyer Market

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By Alan Gilman
Aug 6, 2026

When 26% of Clients Own Crypto, Financial Plans Need a Third Asset Class

The Ontario First-Time Buyer Playbook: Layer Six Programs to Capture $118,000 Before Your 2026 Closing post image
By Alan Gilman
Aug 5, 2026

The Ontario First-Time Buyer Playbook: Layer Six Programs to Capture $118,000 Before Your 2026 Closing

30-Year Mortgages in Ontario: The $1.5M Cap and First-Time Buyer Rule Everyone Gets Wrong post image
By Alan Gilman
Aug 5, 2026

30-Year Mortgages in Ontario: The $1.5M Cap and First-Time Buyer Rule Everyone Gets Wrong

MCAN's 19% earnings jump came with rising impairments, what the mix tells lenders post image
By Alan Gilman
Aug 5, 2026

MCAN's 19% earnings jump came with rising impairments, what the mix tells lenders

25 States Sue Trump Over Tariffs, Testing the Outer Limits of Presidential Power post image
By Alan Gilman
Aug 5, 2026

25 States Sue Trump Over Tariffs, Testing the Outer Limits of Presidential Power

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Mortgage advice built on real conversations, not sales scripts.

Featured Posts

Why You Shouldn't Lock a Fixed Rate Until You Understand What the BoC Isn't Saying post image
By Alan Gilman
Jul 26, 2026

Why You Shouldn't Lock a Fixed Rate Until You Understand What the BoC Isn't Saying

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Subscribe to New Posts Independent writing on the mortgage decisions Canadians actually face. Real advice from a broker built on referrals, not scripts. Subscribe (Free)
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Independent writing on the mortgage decisions Canadians actually face. Real advice from a broker built on referrals, not scripts.

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