Welcome to my Mortgage Blog
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How Many Rate Hikes is the Bank of Canada Expected to Do?
The Bank of Canada is expected to deliver two more hikes through 2027, bringing the Prime Rate to 5.20%. However, global energy prices and mortgage market dynamics may…
4 min read
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Remote Work Mortgage Canada: Rules, HR Letters & Down Payments
Can I Get a Mortgage While Working Remotely in Canada? Getting a mortgage while working remotely in Canada has become increasingly common, but navigating lender guidelines requires more…
4 min read
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How do you know when you have enough money to retire?
How Do You Know When You Have Enough to Retire? It is the million-dollar (or sometimes multi-million-dollar) question: How do you know when you finally have enough money…
4 min read
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Case Study: Smith Maneuver Canada – Wealth Strategy or High-Risk Trap?
What Is the Smith Maneuver and How Does It Work? If you spend any time on Canadian personal finance forums or mortgage social media, you’ve probably heard of…
4 min read
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Pay Off Mortgage or Invest? The 5% Dilemma for Canadians
Pay Off Your Mortgage or Invest? How Canadians Can Do Both at 5% Interest With 5-year fixed mortgage rates hovering near 4.99% across most Canadian financial institutions, homeowners…
4 min read
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Is Buying a House “Long Real Estate and Short Dollars?”
I saw this idea on Twitter (X) and though it was a unique way to approach purchasing a home. Most people buy a home because they believe their…
4 min read
