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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
The Four Cases Where a Reverse Mortgage Beats Every Alternative in Canada post image
By Alan Gilman
Sep 3, 2026

The Four Cases Where a Reverse Mortgage Beats Every Alternative in Canada

The Borrowers Who Sleep Through Rate Hikes Have 18 Months' Cash, Not Lower Rates post image
By Alan Gilman
Sep 3, 2026

The Borrowers Who Sleep Through Rate Hikes Have 18 Months' Cash, Not Lower Rates

# The CRA Will Cover Up to Half Your Investment Loan Interest If You Structure It Correctly post image
By Alan Gilman
Sep 3, 2026

# The CRA Will Cover Up to Half Your Investment Loan Interest If You Structure It Correctly

The Reverse Mortgage Paradox: Why It Works Best for Homeowners Who Don't Need It post image
By Alan Gilman
Sep 3, 2026

The Reverse Mortgage Paradox: Why It Works Best for Homeowners Who Don't Need It

Why Ontario's 8,410 New-Home Sales Actually Strengthen Your Existing Equity post image
By Alan Gilman
Sep 3, 2026

Why Ontario's 8,410 New-Home Sales Actually Strengthen Your Existing Equity

The Mortgage Stress Test Qualifies You for the Loan, Not the Rate Shock post image
By Alan Gilman
Sep 2, 2026

The Mortgage Stress Test Qualifies You for the Loan, Not the Rate Shock

The Refinancing Window That Actually Matters: Your Penalty Math, Not the News Cycle post image
By Alan Gilman
Sep 2, 2026

The Refinancing Window That Actually Matters: Your Penalty Math, Not the News Cycle

Why Locking In Early and Prepaying Beats Waiting for Lower Mortgage Rates post image
By Alan Gilman
Sep 2, 2026

Why Locking In Early and Prepaying Beats Waiting for Lower Mortgage Rates

Why a $4,200 Penalty Can Save You $18,000 in Interest post image
By Alan Gilman
Sep 2, 2026

Why a $4,200 Penalty Can Save You $18,000 in Interest

Refinancing Twice Costs Less Than Waiting for the Perfect Rate post image
By Alan Gilman
Sep 2, 2026

Refinancing Twice Costs Less Than Waiting for the Perfect Rate

The Canadian Income Tax Act Is Not 500 Pages and That Matters More Than You Think post image
By Alan Gilman
Sep 1, 2026

The Canadian Income Tax Act Is Not 500 Pages and That Matters More Than You Think

Variable Mortgages Are Options Contracts Disguised as Loans, Buy Them Only If You'll Use Them post image
By Alan Gilman
Sep 1, 2026

Variable Mortgages Are Options Contracts Disguised as Loans, Buy Them Only If You'll Use Them

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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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