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:

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What is a Home Equity Line of Credit (HELOC)?
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?
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.

What is a Mortgage Refinance?
What is a Mortgage Refinance?

A refinance replaces your current mortgage with a brand new one — often to lower your rate, access equity, or consolidate debt. Here’s how refinancing works in Canada, what it costs, and when it makes sense.

Read more blog posts below:

Market Insights Jeff Dinsmore Market Insights Jeff Dinsmore

Canada’s September Rate Cut Odds Just Spiked - Here’s Why Your Mortgage Could Drop Soon

In July 2025, Canada shed 41,000 jobs (the worst performance in over three years) driving the unemployment rate to 6.9%. Analysts from BMO, CIBC, and Capital Economics say the weakness increases the odds of a Bank of Canada rate cut on September 17, now priced at 38–40% probability, with markets expecting two cuts before year-end. U.S. inflation at 2.7% and falling Canadian bond yields suggest mortgage rates could drop soon.

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