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.

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.

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.

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.

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.

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.