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:
Best Rate vs. Best Mortgage
In 2021, the Cincinnati Bengals chose flash over protection. Canadians make the same mistake when they chase the lowest mortgage rate without thinking about structure.
How to Calculate an (approximate) mortgage payment in Canada
Confused about mortgage payments in Canada? This guide shows you a simple way to estimate your monthly payment, explains how rate and amortization work, and when to use a calculator to get the exact number.
What’s the best mortgage rates in Canada in November 2025?
Mortgage rates in Canada aren’t one-size-fits-all. In October 2025, we’re seeing the lowest insured 3-year fixed rates around 3.84% – but the real rate you get depends on your deal, your profile, and who’s fighting for you.
What’s the Difference Between Insured, Insurable, and Uninsurable Mortgages?
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.
What is a Home Equity Line of Credit (HELOC)?
A HELOC is like giving yourself a giant credit card backed by your home. Flexible, lower cost, and powerful - but only if you use it wisely. Here’s how HELOCs work in Canada and when they make sense.
Wondering how the Canadian mortgage pre-approval process works? Here is a behind-the-scenes look at how lenders review your income, debts, credit and down payment before you start shopping for a home.