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 Does Getting a Mortgage After Separation Look Like?
What Does Getting a Mortgage After Separation Look Like?

Getting a mortgage after separation looks different - but it’s possible and shouldn’t be daunting. From separation agreements or statutory declarations, to refinancing for a buyout and accessing 30-year amortizations, here’s how lenders approach it in Canada.

Builders Paying Your Bills? What London Ontario’s Smart Start Program Really Says About the Market
Builders Paying Your Bills? What London Ontario’s Smart Start Program Really Says About the Market

Foxwood Homes in London, Ontario is offering to cover up to $12,500 of property taxes and utilities for new buyers. Sounds like a deal - but it’s actually evidence of a slowing & hesitant housing market. Here’s what you need to know.

How Do Mortgage Brokers Get Paid?
How Do Mortgage Brokers Get Paid?

Mortgage brokers are usually free for clients, but lenders pay us for sending them qualified deals. Here’s how broker commissions work, when fees apply, and why banks actually prefer paying brokers over finding clients on their own.

Read more blog posts below:

First-Time Homebuyer, Mortgage Tips, Specialty Programs Jeff Dinsmore First-Time Homebuyer, Mortgage Tips, Specialty Programs Jeff Dinsmore

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.

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