
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:
What is a Home Equity Line of Credit (HELOC)?
A HELOC is like giving yourself a giant credit card backed by your home. Flexible, lower cost, and powerful - but only if you use it wisely. Here’s how HELOCs work in Canada and when they make sense.
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.
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.
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.
Insured, insurable, or uninsurable - which bucket your mortgage falls into decides your rate. Here’s what each means in 2025, how to keep insured status, and why refinances always end up uninsurable.