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:
40-Year Amortizations: What They Are, Who They're For, and Why They're Making a Comeback
40-year amortization mortgages are back. Learn how this growing trend can help reduce monthly payments, why lenders like CMLS and Equitable are offering them, and whether they’re a smart choice for you.
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.
The Kawartha and Libro Credit Union Merger: What It Means for Ontario Mortgages
Kawartha and Libro Credit Unions are merging in 2026. Here's why this is great news for Ontario borrowers, mortgage brokers, and local communities.
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.
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.