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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
Stop Asking Where Rates Are Going and Calculate Your Actual Break Cost Instead post image
By Alan Gilman
Sep 1, 2026

Stop Asking Where Rates Are Going and Calculate Your Actual Break Cost Instead

The 6 Tax Rules That Actually Affect Your Mortgage Application post image
By Alan Gilman
Sep 1, 2026

The 6 Tax Rules That Actually Affect Your Mortgage Application

Variable vs. Fixed: 6 Questions That Matter More Than the Rate Spread post image
By Alan Gilman
Sep 1, 2026

Variable vs. Fixed: 6 Questions That Matter More Than the Rate Spread

A $2-Million Portfolio Split Between Two Spouses Still Faces a 27% Tax Rate Without Better Asset Location post image
By Alan Gilman
Aug 31, 2026

A $2-Million Portfolio Split Between Two Spouses Still Faces a 27% Tax Rate Without Better Asset Location

Why the Active vs. Passive Debate Misses the Point Entirely post image
By Alan Gilman
Aug 30, 2026

Why the Active vs. Passive Debate Misses the Point Entirely

AI Disinflation Could Lower Mortgage Rates Through Job Losses, Not Economic Growth post image
By Alan Gilman
Aug 30, 2026

AI Disinflation Could Lower Mortgage Rates Through Job Losses, Not Economic Growth

Blockchain commodity markets traded through Saturday's geopolitical shock while CME stayed dark post image
By Alan Gilman
Aug 29, 2026

Blockchain commodity markets traded through Saturday's geopolitical shock while CME stayed dark

Seven Years of Late Tax Returns Cost One Canadian $18,000 in Penalties post image
By Alan Gilman
Aug 28, 2026

Seven Years of Late Tax Returns Cost One Canadian $18,000 in Penalties

Your Mortgage Broker Called Six Weeks After Bond Traders Already Moved post image
By Alan Gilman
Aug 27, 2026

Your Mortgage Broker Called Six Weeks After Bond Traders Already Moved

Canada-US Trade Reliance Fell to 71.7% in 2025, Down From 75.9% in 2024 post image
By Alan Gilman
Aug 26, 2026

Canada-US Trade Reliance Fell to 71.7% in 2025, Down From 75.9% in 2024

Canada's Income Tax Act Is 3,200 Pages, Not 1,000, and That Error Costs You Money post image
By Alan Gilman
Aug 25, 2026

Canada's Income Tax Act Is 3,200 Pages, Not 1,000, and That Error Costs You Money

Canada's Trade Surplus With the U.S. Narrowed to $10 Billion: What That Means for Tariff Negotiations post image
By Alan Gilman
Aug 24, 2026

Canada's Trade Surplus With the U.S. Narrowed to $10 Billion: What That Means for Tariff Negotiations

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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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