
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:
What the iPro Realty Shutdown Means for Ontario’s Real Estate Market
The shutdown of iPro Realty has left 2,400 Ontario realtors and their clients scrambling after a reported $10.5M shortfall. RECO says transactions will still close, but deposits, commissions, and representation agreements are being redirected through insurance and new brokerages. Here’s what that means for buyers, sellers, and agents.
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.
Should You Get a Reverse Mortgage or Sell Your Home? Read This First
Reverse mortgages can drain your home’s equity faster than you think. Here’s a step-by-step guide to explore cheaper, smarter alternatives before you commit.
Canada’s September Rate Cut Odds Just Spiked - Here’s Why Your Mortgage Could Drop Soon
In July 2025, Canada shed 41,000 jobs (the worst performance in over three years) driving the unemployment rate to 6.9%. Analysts from BMO, CIBC, and Capital Economics say the weakness increases the odds of a Bank of Canada rate cut on September 17, now priced at 38–40% probability, with markets expecting two cuts before year-end. U.S. inflation at 2.7% and falling Canadian bond yields suggest mortgage rates could drop soon.
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.