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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

Featured post
Claim the Full Deduction: How to Structure RRSP Contributions Around Your HBP Repayment post image
By Alan Gilman
Aug 2, 2026

Claim the Full Deduction: How to Structure RRSP Contributions Around Your HBP Repayment

Why You Should Add Your Non-Earning Spouse to Your Mortgage Despite the $5,000 Debt post image
By Alan Gilman
Aug 2, 2026

Why You Should Add Your Non-Earning Spouse to Your Mortgage Despite the $5,000 Debt

TMX Group's $800-Million MEMX Bet Signals a Strategic Pivot Away from Canadian Dominance post image
By Alan Gilman
Aug 2, 2026

TMX Group's $800-Million MEMX Bet Signals a Strategic Pivot Away from Canadian Dominance

Your Lender's Renewal Letter Is a Profit Margin, Not a Rate You Should Accept post image
By Alan Gilman
Aug 1, 2026

Your Lender's Renewal Letter Is a Profit Margin, Not a Rate You Should Accept

Why Your Mortgage Broker's Lender Network Matters More Than the Rate They Quote post image
By Alan Gilman
Aug 1, 2026

Why Your Mortgage Broker's Lender Network Matters More Than the Rate They Quote

How to Turn Unused FHSA Room Into a $3,000 Post-Purchase Cash Injection post image
By Alan Gilman
Aug 1, 2026

How to Turn Unused FHSA Room Into a $3,000 Post-Purchase Cash Injection

Why Smart Buyers Run a Full Mortgage Audit Six Months Before They Shop post image
By Alan Gilman
Aug 1, 2026

Why Smart Buyers Run a Full Mortgage Audit Six Months Before They Shop

The IRD Formula Your Bank Uses to Calculate Five-Figure Penalties When You Break a Fixed Mortgage post image
By Alan Gilman
Aug 1, 2026

The IRD Formula Your Bank Uses to Calculate Five-Figure Penalties When You Break a Fixed Mortgage

How to Choose Between Fixed and Variable Without Guessing Where Rates Are Going post image
By Alan Gilman
Jul 31, 2026

How to Choose Between Fixed and Variable Without Guessing Where Rates Are Going

Six Months Before You Apply: How Self-Employed Canadians Should Prepare Their Tax Filings to Get Approved post image
By Alan Gilman
Jul 31, 2026

Six Months Before You Apply: How Self-Employed Canadians Should Prepare Their Tax Filings to Get Approved

Why Lenders Charge Less When You Put Less Down post image
By Alan Gilman
Jul 31, 2026

Why Lenders Charge Less When You Put Less Down

Your Business Is Growing, But Your Mortgage Application Will Average That Against Last Year post image
By Alan Gilman
Jul 31, 2026

Your Business Is Growing, But Your Mortgage Application Will Average That Against Last Year

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Canadian Mortgage Products icon

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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