
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:
Mortgage-Backed Securities in Canada: What Homeowners Need to Know
Why do some people get better mortgage rates than others? The answer might be hidden behind the scenes - in how your mortgage is packaged, insured, and sold. From CMHC to private-label RMBS, here’s what you need to know before signing your next mortgage.
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?
Assignment Sales in 2025: Why It’s No Longer the Easy Win Everyone Thinks It Is
Assignment sales used to be a no-brainer. Lock in early, flip for profit before closing. But in 2025? The CRA, lenders, and builders have killed the magic. Here's what changed — and why it might cost you big if you're still playing the old game.
Fauquier‑Strickland, ON ran out of Money: What Homeowners Should Know
The Township of Fauquier-Strickland just went bankrupt. Residents are left with no staff, no services, and a lot of questions. Here's what that means if you own a home there and what support might come next.
Explain Like I’m 5: How Do Mortgages Work?
What does a mortgage have in common with a $50 bike, a $5 down payment, and your weekly allowance? Everything. We explain mortgages in the simplest, most entertaining way possible - perfect for first-time buyers and confused grownups alike.
Are Mortgages Assumable in Canada? Here's the Ugly Truth
Assumable mortgages sound genius - take over a seller’s low rate and save thousands. But in Canada, most lenders make it nearly impossible. Discover why assumptions fail, what lenders don’t want you to know, and smarter ways to lower your mortgage costs today.
Mortgage rates don’t move randomly. Fixed rates follow the bond market, variable rates track the overnight rate, and both respond to big events like recessions, global crises, or inflation. Here’s the simple breakdown every Canadian should know.