
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 Happens to your Mortgage when you die? Here’s the truth.
Wondering what happens to a mortgage after death? It doesn’t vanish. Here's the emotional reality, lender rules, and why the estate must keep paying.
Collateral Charge Mortgages: Smart Setup or Sneaky Trap?
Thinking of taking a mortgage with a collateral charge? It could unlock future borrowing options… or quietly limit your ability to switch lenders later. Here's what you need to know before you sign.
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.
How Mortgage Interest Works (Explained Like You're Melting Ice)
Why does so much of your mortgage payment go to interest at the beginning? Simple: your loan is like a giant block of ice. This blog post breaks down how mortgage interest works in Canada using an easy metaphor, and shows you how to shrink your interest costs with smart payment strategies.
Fixed vs Variable vs Adjustable Rate Mortgages - Explained Like Grocery Shopping
Not sure if you should pick a fixed, variable, or adjustable mortgage? We explain each option like a weekly grocery trip - so it actually makes sense. Ready to shop smart for your 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.