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:
Rent-to-Own: The Good, The Bad, and The Ugly
Rent-to-own can open the door to homeownership — or slam it shut. Discover how these deals work in Canada, the hidden risks, and a real story that cost one family tens of thousands.
Should You Get a Reverse Mortgage or Sell Your Home? Read This First
Reverse mortgages can drain your home’s equity faster than you think. Here’s a step-by-step guide to explore cheaper, smarter alternatives before you commit.
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.
What’s the catch on the 1.99% 6 month interest rate?
Some lenders are offering 6-month teaser mortgage rates as low as 1.99% — but what’s the catch? In this post, I pull back the curtain on how these rates work, the penalties for leaving, and why it could trap you into higher payments later. A must-read before you sign anything.
40-Year Amortizations: What They Are, Who They're For, and Why They're Making a Comeback
40-year amortization mortgages are back. Learn how this growing trend can help reduce monthly payments, why lenders like CMLS and Equitable are offering them, and whether they’re a smart choice for you.
Are Mortgages Haram? What Muslims in Canada Need to Know
Wondering if mortgages are haram? This post breaks down Islamic views on interest, how halal mortgages work in Canada, and what options are available for faith-conscious buyers.
Mortgage rates don’t move randomly. Fixed rates follow the bond market, variable rates track the overnight rate, and both respond to big events like recessions, global crises, or inflation. Here’s the simple breakdown every Canadian should know.