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:
Can I Move My Mortgage to a New Home? How Porting Works in Canada
Porting lets you move your mortgage to a new home and avoid penalties - but it comes with rules. Discover the 3 types of ports, lender requirements, and when porting makes sense.
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.
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.