Mortgage Tips & Real Advice for Canadian Homebuyers
Everything Canadian homebuyers, investors, and refinancers need to know - straight from a licensed broker.
Recent Blog Posts by Jeff Dinsmore, Mortgage Broker:
Read more blog posts below:
Should You Keep Renting? Why Buying Isn’t Always Better
Should you keep renting even if you can afford to buy a home? One renter discovered that staying in his affordable, rent-controlled apartment while purchasing a separate investment property gave him the best of both worlds: a lifestyle he enjoyed and a way to build long-term wealth.
How We Bought Our First Home Without a Trust Fund or a Huge Income
We did not have a trust fund, inheritance, or unusually high incomes. By keeping our expenses low, saving aggressively, and buying a home with a rental unit, we purchased our first property with 5% down, and used the same strategy to buy again.
Can You Get a Mortgage on a Short-Term Rental?
Canadian lenders usually avoid Airbnb and VRBO properties. But one program now offers up to 75% financing for short-term rentals. Here’s what makes it possible - and how to qualify.
Can You Use Crypto to Buy a Home in Canada?
Crypto is becoming mainstream in Canada, but lenders are still cautious. Here’s how to turn your digital assets into a mortgage down payment, what new OSFI rules mean, and the safest ways to use crypto in home buying.
If I Were Starting Real Estate Investing in 2025, Here’s Exactly What I’d Do
Wondering how to get started with real estate investing in Canada? This post breaks down exactly how I’d start today - from getting your down payment, to house hacking your first duplex, to scaling your portfolio. No fluff, no hype, just a real-world roadmap for first-time investors.
Mortgage-Backed Securities in Canada: What Homeowners Need to Know
Why do some people get better mortgage rates than others? The answer might be hidden behind the scenes - in how your mortgage is packaged, insured, and sold. From CMHC to private-label RMBS, here’s what you need to know before signing your next mortgage.
Wondering how the Canadian mortgage pre-approval process works? Here is a behind-the-scenes look at how lenders review your income, debts, credit and down payment before you start shopping for a home.