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.
Can You Overpay Your Mortgage? How It Works, Max Limits, and How It Speeds Up Your Payoff
Overpaying your mortgage can save you years and thousands in interest - if you know your lender’s rules. Here’s how to find your limits and use them to your advantage to become mortgage free, faster.
How Much Mortgage Can I Qualify For in Canada? Quick Rules of Thumb
Mortgage qualification in Canada doesn’t have to be a mystery. Here are quick rules of thumb to ballpark your number, and the factors that can push it higher or lower.
Mortgage Insurance – Clearing Up the Confusion
Mortgage insurance means different things in Canada. Here’s how CMHC insurance, mortgage life insurance, and personal policies compare - and which one might actually protect you.
Why 5-Year Fixed Big 5 Bank Rates Can Be Risky
Big 5 banks make 5-year fixed mortgages sound safe — until you try to break them. Learn how IRD penalties work, why they’re often higher than you think, and smart ways to reduce them before it’s too late.
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.
The lender may approve the mortgage, but you still have to live through maternity leave. Here’s how to check whether your income, expenses, savings, and daycare costs can actually support the home.