https://velomortgage.ca/blog daily 0.75 2026-02-19 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/f9eb73ac-df71-470c-b670-9c3dec36ad4d/Jeff+Headshot.png https://velomortgage.ca/blog/medical-professional-mortgage-programs-in-canada monthly 0.5 2026-02-23 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1771525999810-X6JRLG3JRXH86140AB7M/unsplash-image-U4FyCp3-KzY.jpg Blog - Medical Professional Mortgage Programs in Canada - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/91d513da-9811-4723-810f-eb61331f7e53/Albertas-dentists-are-in-%E2%80%98limbo-amid-federal-vs-provincial-dental-programs-%E2%80%98confusion-1024x576.jpg Blog - Medical Professional Mortgage Programs in Canada - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/5a3522e2-a680-44c3-a051-1e796c818ec2/v1_POST_RESIDENCY_AND_JOB_MARKET_NEGOTIATING_PHYSICIAN_CONTRACT_unlocking_success_secure_better-step1-young-physician-reviewing-employment-con-3607.webp Blog - Medical Professional Mortgage Programs in Canada - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Medical Professional Mortgage Programs in Canada - Final Thoughts Medical professional mortgage programs are powerful, but it’s all about timing to take advantage. They are designed for that narrow window when your future income is strong but your historical income hasn’t caught up. If you structure it correctly, you gain flexibility. If you structure it wrong, you overpay at renewal or get trapped by penalties when life changes. And for new doctors, life changes fast. Make sure your mortgage works with you, not against you. Jeff Dinsmore Mortgage Broker FSRA # 10315 velomortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/best-rate-vs-best-mortgage monthly 0.5 2026-02-18 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/189c0566-f4ae-4ff8-8559-d5f17dbee92a/8d54a5e8-adfa-4b5f-8e4a-b9bd455c7dcc-USATSI_12565459.webp Blog - Best Rate vs. Best Mortgage - Make it stand out Penei Sewell at Oregon State https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/3b702b9f-e833-42c8-8375-5dddfba0b626/76394271007-111724-bengals-chargers-18.webp Blog - Best Rate vs. Best Mortgage - Make it stand out Ja’Marr Chase in Bengals Uniform https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/b8618d4d-e838-4c04-8417-277b00d536ef/33c46543-5288-400f-b30f-1ae29e21aeb5-USP_NFL__NFL_Draft_2.webp Blog - Best Rate vs. Best Mortgage - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/2ea0ff55-7c85-40e1-afb3-a4c3b73f4870/ZdkzPMcLAKEyVtjg7a0qXmMr9cB3hIxktdOpVXXxS-yY-NC5jvmGdpxu53Cz1rY7S7q1ESs2c2NutFhkFHJQJR-pf_6XZVAPkcwf65iaor8.jpeg Blog - Best Rate vs. Best Mortgage - Make it stand out Joe Burrow getting hit in a Packers vs Bengals game https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1771457565252-9SCPTC2K7JJ5IWR6OD4K/unsplash-image-6TzGlOfzCZY.jpg Blog - Best Rate vs. Best Mortgage Let’s say you go the Ja’Marr Chase route and snag the lowest rate from the bank. It’s exciting and you feel like you absolutely scored with your 3.99% interest rate. You chat with your friends “Oh, definitely hit up ABC Bank, they really nailed it on the rate for me” But a year later: You get a job opportunity in another city You can’t ignore your awful bathroom anymore that’s been begging for a renovation for nearly a decade You go through a separation You get an opportunity for investment and want to access equity https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Best Rate vs. Best Mortgage - Signing off, your friendly neighborhood Mortgage and NFL Nerd, Jeff Dinsmore Mortgage Broker velomortgage.ca FSRA # 10315 TMG - The Mortgage Group https://velomortgage.ca/blog/how-to-calculate-an-approximate-mortgage-payment-in-canada monthly 0.5 2025-11-19 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/18942e7b-ade9-41d8-8a14-353dfe77c8c7/Screenshot+2025-11-19+160904.jpg Blog - How to Calculate an (approximate) mortgage payment in Canada - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - How to Calculate an (approximate) mortgage payment in Canada - Next step - want me to run your numbers for you? Reading blog posts is great. But your mortgage is a six or seven figure decision, and really - I don’t want you to base such a big decision on just my blog post. If you want: A clear monthly payment number for your situation Help choosing amortization and payment frequency Ideas to shave years off your mortgage without blowing up your cash flow Then book a quick call and I will walk you through it. https://velomortgage.ca/blog/whats-the-best-mortgage-rates-in-canada-in-october-2025 monthly 0.5 2025-11-19 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/d8451875-4ae1-471d-8fc9-66ef69db6148/unsplash-image-7JoXNRbx6Qg.jpg Blog - What’s the best mortgage rates in Canada in November 2025? - Make it stand out Sometimes it feels like each bank is saying this, but not actually measuring up. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1761249852019-XQTAFQXOT1F8BRFWAWWE/unsplash-image-LNrxP3CWEiQ.jpg Blog - What’s the best mortgage rates in Canada in November 2025? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - What’s the best mortgage rates in Canada in November 2025? - The Bottom Line The “best rate” isn’t universal - it’s personal. Your credit, down payment, property type, income, and even your broker’s relationships all change what’s possible. So instead of chasing a headline rate online, build the kind of deal lenders fight for: strong, simple, low-risk. At VeloMortgage, we negotiate directly with lenders every day. If there’s a lower rate to be had in Canada this month, we’ll find it. Let’s search together. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group VeloMortgage.ca https://velomortgage.ca/blog/can-you-get-a-mortgage-on-a-short-term-rental-1-sdkxE monthly 0.5 2025-09-30 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1759250168131-FAYBRL7422ZS667O8ABI/unsplash-image-QDnDP4lHSps.jpg Blog - Can You Get a Mortgage on a Short-Term Rental? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1759250221664-3RVXUTJQO32923YKHALN/unsplash-image-SquUFasFu8k.jpg Blog - Can You Get a Mortgage on a Short-Term Rental? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Can You Get a Mortgage on a Short-Term Rental? - The Bottom Line Airbnb isn’t a fad. VRBO isn’t going away. And now, finally, Canadian financing has caught up. If you’ve been told “no” because your property doesn’t fit the long-term rental box, this program is your door swinging wide open. At VeloMortgage, we’ve got access to this lender’s short-term rental program. If you’ve been waiting for a mortgage that actually works for STRs, let’s talk. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group VeloMortgage.ca https://velomortgage.ca/blog/whats-the-difference-between-insured-insurable-and-uninsurable-mortgages monthly 0.5 2025-09-30 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1759255229673-XRSREY60SF2045I2PKI7/unsplash-image-_y5YzXOiuOs.jpg Blog - What’s the Difference Between Insured, Insurable, and Uninsurable Mortgages? - Make it stand out Similar houses, similar neighborhood, similar income - different rate? What’s going on? https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - What’s the Difference Between Insured, Insurable, and Uninsurable Mortgages? - The Bottom Line Insured, insurable, uninsurable - these aren’t just buzzwords. They decide what you’ll pay in interest. Insured = cheapest, now up to $1.5M with 30-year options for first-time buyers, separated/divorced buyers, and new builds. Insurable = the middle tier, still competitive. Uninsurable = the priciest money in the market on the A-side And remember: your insured status can disappear the second you refinance, restructure, or add a HELOC. That’s why planning before you sign matters. At VeloMortgage, we’ll show you which bucket you’re in, and how to keep yourself out of the expensive one. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group VeloMortgage.ca https://velomortgage.ca/blog/what-is-a-home-equity-line-of-credit-heloc monthly 0.5 2025-09-22 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1758054751418-6VPT910NXQGGTYNKXTSO/unsplash-image-UqNEbyRQ660.jpg Blog - What is a Home Equity Line of Credit (HELOC)? - Make it stand out Home Equity Lines of Credit are extremely useful for expenses such as renovations. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1758054887707-I38CP9DRVGXAIL0RTN8K/unsplash-image-3WAMh1omVAY.jpg Blog - What is a Home Equity Line of Credit (HELOC)? - Make it stand out HELOCs can be especially useful for large purchases, like vehicles - avoiding high interest rates with dealerships. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - What is a Home Equity Line of Credit (HELOC)? - The bottom line A HELOC is one of the most flexible, cost-effective ways to borrow against your home. But flexibility is a double-edged sword - without discipline, it can keep you in debt forever. Used wisely, though? A HELOC can be your safety net for emergencies. It can be your launch pad for renovations, investments, or debt consolidation. Paired with a mortgage, it can even fuel advanced strategies like the Smith Manoeuvre to help you build wealth while paying down your loan. At VeloMortgage, we don’t just set up HELOCs- we set them up with a plan. So whether you’re after flexibility, affordability, or a long-term wealth strategy, you’ll know your HELOC is working for you, not against you. Curious if a HELOC (or HELOC + mortgage combo) makes sense for you? Let’s run the numbers together. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group VeloMortgage.ca https://velomortgage.ca/blog/can-you-get-a-mortgage-on-a-short-term-rental monthly 0.5 2025-09-22 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1758304495584-WZDTX0OPHS38CTBFDNCV/unsplash-image-QDnDP4lHSps.jpg Blog - Can You Get a Mortgage on a Short-Term Rental? - Make it stand out Love me a cottage with these views - and qualifying for it with AirBNB rental income! https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1758304571543-E60TYW96P8PGW1ND27EI/unsplash-image-6pyM02snCCQ.jpg Blog - Can You Get a Mortgage on a Short-Term Rental? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Can You Get a Mortgage on a Short-Term Rental? - The Bottom Line Airbnb isn’t a fad, and VRBO isn’t going away. And now, finally, Canadian financing (well, at least this particular lender) has caught up. If you’ve been told “no” because your property doesn’t fit the long-term rental box, this program is your door swinging wide open. At VeloMortgage, we’ve got access to this lender’s short-term rental program. If you’ve been waiting for a mortgage that actually works for STRs, let’s talk - and I’m happy to get you acquainted with this lender to work on your Short-Term Rental. Let’s get your AirBNB dreams off the ground. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/what-is-a-mortgage-refinance monthly 0.5 2025-09-19 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757703296465-G333JKCTHF1YNBWS9PJ1/unsplash-image-3q4V539j_bw.jpg Blog - What is a Mortgage Refinance? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - What is a Mortgage Refinance? - Bottom Line A refinance can lower your payments, unlock equity, or consolidate debt, but it’s not always the right move. Between penalties, legal fees, and a reset amortization, the costs can outweigh the benefits if you’re not strategic. At VeloMortgage, we run the numbers side-by-side and tell you the truth: when refinancing makes sense, and when it doesn’t. Thinking about a refinance? Let’s crunch the math together before you sign anything. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group VeloMortgage.ca https://velomortgage.ca/blog/what-is-a-reverse-mortgage monthly 0.5 2025-09-15 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - What is a Reverse Mortgage? - Bottom Line A reverse mortgage can be a lifeline for the right homeowner, but it’s rarely the best first option. If you’re thinking about one, don’t stop at the definition. Explore every option side-by-side, and make sure the math supports your future. At VeloMortgage.ca, we’ll show you the full picture (from HELOCs to reverse mortgages) so you can choose with confidence. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/the-non-bank-lender-landscape-monolines monthly 0.5 2025-09-12 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515586415-FX5FIB156BJYC1S6PK5C/28.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515586434-UBXD5GY7AKV94BZ9HCCI/31.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515587665-O339F7MR9KP8SLLZ8FTM/32.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515587690-9WU74LBSNEXQSWER3DSD/6.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515589049-37XXBPTV8NPE6QOPM9X9/7.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515588935-VVEHCHTXOHFOSFJT16HU/9.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515590083-N6OWK9BBXKDMSNZY0IWR/10.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515590550-ZLAESRWDK6RPTH86M0L6/11.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1757515591253-NVW9UTLHMIJVKH0FRZOP/12.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - The Non-Bank Lender Landscape: Why Monolines Are the Banks’ Worst Nightmare - Bottom Line The Big 5 want you to believe they’re your only choice. But monoline lenders quietly fund hundreds of billions of Canadian mortgages every year. They’re safe, regulated, and often the smarter move, with fair penalties, faster commitments, and more flexible terms. At VeloMortgage, we work with every major monoline lender in Canada. If you’re serious about protecting your wallet and getting the service you deserve, book a call today. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group https://velomortgage.ca/blog/what-does-getting-a-mortgage-after-separation-look-like monthly 0.5 2025-09-10 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1756308304348-BQY1HM8CQFMLX4FUKNZF/unsplash-image-OQMZwNd3ThU.jpg Blog - What Does Getting a Mortgage After Separation Look Like? - Make it stand out A separation agreement is not a legal requirement for proceeding with a separation/divorce, but it will certainly help the process along in buying a home without incurring additional fees, and being clear on division of assets. There are ways around it, but streamlining the process is much easier with a separation agreement. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - What Does Getting a Mortgage After Separation Look Like? - The Big Picture Rebuilding after separation feels daunting. But lenders have policies that recognize life changes. With the right documents in place - whether it’s a separation agreement or statutory declaration - and a broker who knows how to navigate support payments, buyouts, and covenant changes, you can get back on your feet faster than you think. Bottom line: Separation doesn’t lock you out of homeownership. It just changes the path. Whether you’re buying fresh or keeping the family home, the right strategy makes all the difference. Let’s chat about how I can help you navigate this as clearly as possible. I’ve worked with hundreds of clients navigating this, and I’d be happy to help you figure out this next stage of your life - with the least amount of confusion possible. Book a call here and we’ll see what magic we can work to get you through this hardship. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group VeloMortgage.ca https://velomortgage.ca/blog/builders-paying-your-bills-what-london-ontarios-smart-start-program-really-says-about-the-market monthly 0.5 2025-09-08 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/ea99e556-a97c-4641-bf6e-d1f7232eace7/Screenshot+2025-08-27+100710.jpg Blog - Builders Paying Your Bills? What London Ontario’s Smart Start Program Really Says About the Market - Make it stand out An excerpt from Foxwood Homes’ website - StartSmart https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Builders Paying Your Bills? What London Ontario’s Smart Start Program Really Says About the Market - Foxwood’s Start Smart program isn’t just a marketing gimmick or some great freebies. It’s a window into the state of one of Ontario’s housing markets. In London especially, it shows how hesitant buyers have become - and how far builders are willing to go to keep projects moving. If you’re buying in this market, don’t get swept up by shiny incentives. Get clear on your real carrying costs and what you can afford long after the giveaways are gone. By speaking with a mortgage broker, you’ll be able to ensure you’re prepared and this is the right step for you. Thinking about buying new construction? Let’s crunch the numbers together before you commit. Book a call at VeloMortgage.ca and I’ll help you separate the real savings from the marketing gimmicks. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/how-do-mortgage-brokers-get-paid monthly 0.5 2025-09-05 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - How Do Mortgage Brokers Get Paid? - The bottom line For most residential clients, using a broker is free. Lenders pay us when we successfully place your mortgage with them. Broker fees only apply to private or commercial loans, and they are always disclosed upfront. Commissions do not inflate your rate. Renewals and refinances are where brokers can often save you thousands by negotiating on your behalf. Working with a mortgage broker gives you choice, negotiating power, and guidance without dipping into your wallet. Let’s connect - I’d be happy to discuss transparently with you how I’m compensated, and how my services can help you save money through strategy and proper planning along with a great rate. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/can-you-use-crypto-to-buy-a-home-in-canada monthly 0.5 2025-09-03 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755526603963-JHKF4MTN38R13WNHQ42P/unsplash-image-5kApSEYgMqw.jpg Blog - Can You Use Crypto to Buy a Home in Canada? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Can You Use Crypto to Buy a Home in Canada? - So… What’s next? If you’ve built wealth in crypto and want to use it toward homeownership, don’t wait until the last minute. Talk to a broker who understands both mortgages and crypto compliance. At VeloMortgage.ca, we help you turn digital wealth into real-world property the right way. As the market changes and adapts, keep an eye on future blog posts and updates on how Crypto is being leveraged in the real world, and how regulators and lenders adapt. Book a call with me today to discuss more about how this applies to your Crypto investments. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/what-really-controls-mortgage-rates-in-canada monthly 0.5 2025-09-01 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755317518635-8R3N1UZBKPR9K3PJSF1G/unsplash-image-2_K82gx9Uk8.jpg Blog - What Really Controls Mortgage Rates in Canada? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755317604510-HGACPC269WFSRIT33M9J/unsplash-image-RxbkUG80Rag.jpg Blog - What Really Controls Mortgage Rates in Canada? - Make it stand out Remember - you don’t need to work in the Toronto Financial District to have an understanding on what controls mortgage rates in Canada! https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - What Really Controls Mortgage Rates in Canada? - Why a Mortgage Broker Can Help Here’s the part most people miss. Timing matters - a lot. A good broker can hold a rate for up to 120–130 days before your renewal. That protects you if bond yields spike and rates climb before your maturity date. If rates go down instead, brokers can request rate drops so you still get the best deal. And while lenders don’t usually play bait-and-switch once they put a rate in writing, they do inflate their first offers. Brokers know the market and can push back. At the end of the day, you don’t need to follow every twist of the bond market or every Bank of Canada announcement. But you do need someone in your corner who does - and who knows how to use that knowledge to your advantage. Let’s create a strategy that works for you. Let’s chat today. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/can-a-mortgage-company-refuse-your-renewal monthly 0.5 2025-08-29 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755019349270-P2XR78ODMAYTH2Z7W55R/unsplash-image-8wLZi9OhsWU.jpg Blog - Can a Mortgage Company Refuse Your Renewal? Yes, Here’s When and Why - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755020476119-1BAA1ICO5NR50OMXBOPL/unsplash-image-ci4KimL6GRc.jpg Blog - Can a Mortgage Company Refuse Your Renewal? Yes, Here’s When and Why - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755020419883-6T7KN05JMVAN8G3IPKQP/unsplash-image-y5LaV9IEC_g.jpg Blog - Can a Mortgage Company Refuse Your Renewal? Yes, Here’s When and Why - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Can a Mortgage Company Refuse Your Renewal? Yes, Here’s When and Why Most renewals go through without a problem, but when a lender decides not to renew you, the clock starts ticking. The earlier you act, the more options you have. I’ve been on both sides of this process. I know how lenders think, and I know how to get you a new mortgage before things turn ugly. Book a free consult today if you’ve received a bad renewal rate or a refusal letter. We can build a plan now so you don’t end up in legal limbo. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca https://velomortgage.ca/blog/how-porting-works-in-canada monthly 0.5 2025-08-27 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Can I Move My Mortgage to a New Home? How Porting Works in Canada - Bottom Line Porting can be a smart way to move your mortgage to a new home without paying thousands in penalties - but only if you meet your lender’s rules and timelines. The type of port you do, whether you qualify again, and the specifics of your lender’s program can make or break the deal. If you’re planning to sell your home and buy another, talk to a mortgage broker before you list. I can help you figure out whether porting is the best move, which type you qualify for, and how to structure your purchase to save the most money. Book your free consult today before you make your next move. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/rent-to-own-the-good-the-bad-and-the-ugly monthly 0.5 2025-08-25 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1754950199128-LT2ST4332XOGL6XSSB29/unsplash-image-cIOwoljvd_Q.jpg Blog - Rent-to-Own: The Good, The Bad, and The Ugly - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Rent-to-Own: The Good, The Bad, and The Ugly - Book a free consult now — I’ll tell you in 15 minutes whether the deal in front of you is a stepping stone or a setup. Jeff Dinsmore Mortgage Broker FSRA # 10315 velomortgage.ca TMG - THE MORTGAGE GROUP https://velomortgage.ca/blog/what-the-ipro-realty-shutdown-means monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/b5192e8d-246a-4759-91ea-5e3c0fc87e3f/IProRealty.jpg Blog - What the iPro Realty Shutdown Means for Ontario’s Real Estate Market - Make it stand out iPro Realty’s logo https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - What the iPro Realty Shutdown Means for Ontario’s Real Estate Market - What to do next? Buying a home is stressful enough without worrying about whether your deposit is safe. As a mortgage broker, my role is to help clients navigate the biggest financial decision of their lives with clarity and confidence. If you’re buying, refinancing, or renewing your mortgage and want a second set of eyes on your deal, reach out for a free mortgage review. It could save you money - and give you peace of mind when you need it most. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/can-you-overpay-your-mortgage monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755030458892-V12N6L5IS27L9C0OZKMB/unsplash-image-Uh6-JgCwbfM.jpg Blog - Can You Overpay Your Mortgage? How It Works, Max Limits, and How It Speeds Up Your Payoff - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Can You Overpay Your Mortgage? How It Works, Max Limits, and How It Speeds Up Your Payoff - Overpaying your mortgage can be a powerful tool, but only if you do it within your lender’s rules. By understanding your prepayment privileges, you can pay down your debt faster, save thousands in interest, and avoid penalties. I can review your mortgage and show you exactly how much you can prepay without penalty, then create a plan to maximize your savings. Book your free consult today to find out how to save years on your mortgage. Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/how-much-mortgage-can-i-qualify-for-in-canada monthly 0.5 2025-08-20 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/5be11850-e661-47ca-ba26-ed57c63cc1ab/Screenshot+2025-08-12+150354.jpg Blog - How Much Mortgage Can I Qualify For in Canada? Quick Rules of Thumb - Make it stand out The more you know….about mortgage qualification! https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - How Much Mortgage Can I Qualify For in Canada? Quick Rules of Thumb - These rules of thumb are great for quick math, but the only way to know your real number is to run it through a broker who can check multiple lenders at once. I can give you your exact maximum in ten minutes, tell you which lenders will work with you, and show you what to do if you want to qualify for more. Book a free consult now before you start house hunting (your realtor will thank you for it!) Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group VeloMortgage.ca https://velomortgage.ca/blog/mortgage-insurance-clearing-up-the-confusion monthly 0.5 2025-08-18 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755024580472-2FYPS02RHUBATZRR41Y6/unsplash-image-mCqi3MljC4E.jpg Blog - Mortgage Insurance – Clearing Up the Confusion - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Mortgage Insurance – Clearing Up the Confusion - Mortgage life insurance and CMHC insurance are not the same thing. One protects your lender, the other is meant to protect you, but even then, the details matter. Before you check the box for mortgage life insurance at the bank, compare it to personal coverage. The right choice depends on your health, budget, and long-term plans. If you want a referral to a reputable insurance broker, contact me - I’ll connect you with someone who can help you get the right coverage for your situation. https://velomortgage.ca/blog/should-you-get-a-reverse-mortgage-or-sell-your-home-read-this-first monthly 0.5 2025-08-18 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755197496307-E7ZFU0ZXSDU7J5W88VRA/unsplash-image-Ox9lYMLOW-Q.jpg Blog - Should You Get a Reverse Mortgage or Sell Your Home? Read This First - Make it stand out Reverse Mortgage companies love these kinds of photos! https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1755201562446-O3G2HXLQYAKK0681N8W8/unsplash-image-UWBMC5gwe3E.jpg Blog - Should You Get a Reverse Mortgage or Sell Your Home? Read This First - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Should You Get a Reverse Mortgage or Sell Your Home? Read This First - The Bottom Line Reverse mortgages aren’t always bad - but they’re seldom the best first option. Planning with a HELOC while you still qualify can save you thousands in interest and give you more control over your equity. If you’re weighing a reverse mortgage, a HELOC, or selling, I can walk you through your options side-by-side so you can make the smartest choice for your financial future. I’m in your corner, and want to ensure you have the best option tailor-made for your financial future. Let’s chat and plan for your future! Jeff Dinsmore Mortgage Broker FSRA # 10315 VeloMortgage.ca TMG - The Mortgage Group https://velomortgage.ca/blog/canadas-september-rate-cut-odds-just-spiked-heres-why-your-mortgage-could-drop-soon monthly 0.5 2025-08-13 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Canada’s September Rate Cut Odds Just Spiked - Here’s Why Your Mortgage Could Drop Soon - Don’t Wait Until the Announcement When the cut comes, the market will move fast. Lenders will adjust rates. Competition for homes could spike If you’re renewing, refinancing, or buying, now is the time to position yourself. I can run the numbers, compare lenders, and lock in the right strategy before the rest of the market catches up. Book your free mortgage review today → Schedule a Call Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The mortgage group VeloMortgage.ca https://velomortgage.ca/blog/why-5-year-fixed-big5-bank-rates-can-be-risky monthly 0.5 2025-08-13 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1754945675239-M38OQYERG82ATL3K0WYH/unsplash-image-jeF-vyxytb4.jpg Blog - Why 5-Year Fixed Big 5 Bank Rates Can Be Risky - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/fde19231-ad00-4243-a2ac-9f159b73680f/its+a+trap.jpg Blog - Why 5-Year Fixed Big 5 Bank Rates Can Be Risky - So, $6,000 is still steep, but how are we hearing of these $40,000 penalties? Here’s the bank’s secret weapon - the Posted Rate. Here’s the thing most borrowers don’t realize until it’s too late with the Big 5 Banks: You were never supposed to care about the posted rate. And that’s exactly the problem. When you’re getting a mortgage, the lender shows you a sweet, low rate, maybe 4% on a 5-year fixed. You feel like you’re getting a deal. You sign, you celebrate, you move in. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Why 5-Year Fixed Big 5 Bank Rates Can Be Risky - Don’t let the banks pressure you into thinking they know what’s best for you - if they aren’t aware of your life plans, their direction can cost you thousands, if not tens of thousands of dollars. Want to make the correct plan for you and your family and your 5-year plan? Give me a call. Let’s plan together. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group 519-574-7308 https://velomortgage.ca/blog/car-loan-refinancing-in-ontario monthly 0.5 2025-08-13 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1754685359671-21QDB1MB2F3TVFAQ785M/unsplash-image-ZRns2R5azu0.jpg Blog - Car Loan Refinancing in Ontario: How to Remove a Co-Signer or Reduce Payments to Boost Your Mortgage Approval - Make it stand out Vroom, vroom - until your mortgage application comes to a screeching halt! https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1754685469521-8XPO1U82DL9YAGMNBFSV/unsplash-image-9PIfZHcnrjQ.jpg Blog - Car Loan Refinancing in Ontario: How to Remove a Co-Signer or Reduce Payments to Boost Your Mortgage Approval - Make it stand out Cosigning for a car loan sounds like a good friend/sibling thing to do, and you’re not paying for it anyway so who cares right? Unfortunately, you’re on the hook for the payments - and hurting your qualification according to the banks. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ba662e4-1f84-4f27-8898-65a9e433a302/20250130_155043_0000.png Blog - Car Loan Refinancing in Ontario: How to Remove a Co-Signer or Reduce Payments to Boost Your Mortgage Approval - Let’s not let it get to that. Let’s chat about car refinancing to your dream home today. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group https://velomortgage.ca/blog/what-happens-to-your-mortgage-when-you-die-heres-the-truth monthly 0.5 2025-08-06 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1752845669906-1TX3FM5BAYT0BFFWI0U6/unsplash-image-EBB45rCSjrU.jpg Blog - What Happens to your Mortgage when you die? Here’s the truth. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1752845714192-NPFF2W6QSV1DH16Y0X1N/unsplash-image-Dx6lpoMAG-Y.jpg Blog - What Happens to your Mortgage when you die? Here’s the truth. - Make it stand out Meeting with a lawyer and with your mortgage broker can help prepare for plans with the property after the death of a loved one. Lawyers can inform you of the will (or lack thereof), and next steps. Mortgage brokers can discuss options available to the loved ones of the deceased, and what recommendations are to move forward - whether to sell or to qualify without the deceased. https://velomortgage.ca/blog/collateral-charge-mortgages monthly 0.5 2025-08-13 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1753215662860-Q94X58YLQYAH624N8SRQ/unsplash-image-ute2XAFQU2I.jpg Blog - Collateral Charge Mortgages: Smart Setup or Sneaky Trap? - First Things First: What Is a Collateral Charge? When you take out a mortgage, your lender registers it on the title of your home. With a standard charge, they register exactly what you borrowed. $600K mortgage? It says $600K on title. With a collateral charge, the lender can register up to 125% of your home’s value, even if you only borrowed a portion of it. So if your home is worth $800K, your mortgage might be registered for $1 million. Why would a bank do this? Because it gives you (and them) more flexibility. https://velomortgage.ca/blog/first-national-aquired-by-brookfield-birch-hill monthly 0.5 2025-07-29 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/b3ce18e8-b83e-40ba-a372-3c483c80c6cc/First+National.jpg Blog - Why First National Just Sold for $2.9 Billion (And What It Means for You) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/80b70bf8-5b86-4996-8798-b9f28f665aa2/birch+hill.jpg Blog - Why First National Just Sold for $2.9 Billion (And What It Means for You) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/431ead18-aef0-461d-b32b-de426b16740d/brookfield.jpg Blog - Why First National Just Sold for $2.9 Billion (And What It Means for You) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/0635cca1-d9a4-4c69-9e0e-8cba5b60d0fa/1m+home+in+toronto.jpg Blog - Why First National Just Sold for $2.9 Billion (And What It Means for You) - A $1M+ home is not uncommon anymore (RE: a regular 1M dollar home in Toronto) People refinancing their mortgage? Also not uncommon. Actually super common considering the cost of living. 30 year amortizations? Also not uncommon. Anyone buying with 20%+ down and with a 30 year amortization are uninsurable. The only 30 year amortizations that are insured are for first time homebuyers, or buyers buying a new build with less than 20% down. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/f9eb73ac-df71-470c-b670-9c3dec36ad4d/Jeff+Headshot.png Blog - Why First National Just Sold for $2.9 Billion (And What It Means for You) - Want to learn more? I love chatting about this. And I want to help you succeed in a changing market. If you’re a homeowner or buyer, it’s never been more important to understand your options, and choose a lender who’s aligned with your long-term goals. Got questions about your mortgage strategy in this changing market? Let’s talk. Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group https://velomortgage.ca/blog/how-to-become-a-real-estate-investor monthly 0.5 2025-07-28 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1752283573550-17FEAK45SGJU35QEXI4N/unsplash-image-0-uzdU3gUYw.jpg Blog - If I Were Starting Real Estate Investing in 2025, Here’s Exactly What I’d Do - Can’t qualify on your own? Tag in: Mom or Dad as a co-signer Your sibling, girlfriend/boyfriend or best friend as a joint buyer/roommate You’re not the only one buying - but you’re building equity and getting in the game. Tip! When you purchase together, you can request your lawyer register you as tenants in common, vs joint tenants - this just means that you can list how much each buyer has investment stake in the property if you decide to sell in the future. This is important if you’re bringing 75% of the down payment to the table, and your bestie is bringing 25% - now it’s clear where the proceeds go if you do sell! https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/21283e26-590f-4572-9ef8-f2ecb19b3f50/Realtor+Showing+Couple+a+Home Blog - If I Were Starting Real Estate Investing in 2025, Here’s Exactly What I’d Do - You want someone who: Knows what a legal unit looks like, or at least legal non-conforming Has done this kind of deal before - ideally, have done it themselves too Can tell you, “This place will cash flow - this one won’t” Pro tip: Wartime houses with side doors are amazing. They’re small, well-built, and that side door often leads right to a basement = perfect two-unit setup. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/d096041c-e8a3-4398-ab6b-24dac94831a6/unsplash-image-lVkLebCwHig.jpg Blog - If I Were Starting Real Estate Investing in 2025, Here’s Exactly What I’d Do - If the home needs work, this is your secret weapon. Here’s how it works: Get quotes from contractors (your realtor probably knows good ones) Provide the quotes to your mortgage broker They will pass it along to the lender, and the lender will base their approval off of that, or ask additional questions At funding, you’ll get the mortgage set up For the improvements side, you’ll need to pay out of pocket for it (for now!) Once the work is complete, an appraiser will come through to make sure the renovations are complete The lender will receive the report, and instruct your real estate lawyer to release the funds to you Your broker will keep you updated every step of the way Heads up: Your down payment is based on the total of purchase price + renovation costs. And like mentioned, the renovations will have to come out of pocket and you would seek reimbursement - plan for that! https://velomortgage.ca/blog/6-month-teaser-rates-trap monthly 0.5 2025-08-13 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1752247662656-LVULS2OKJJ3PEGW027W5/unsplash-image-_Zua2hyvTBk.jpg Blog - What’s the catch on the 1.99% 6 month interest rate? - Make it stand out “Extra! Extra! Get your 1.99% mortgage rates! You’d be silly not to!” https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1752247326596-4CMB3TQXX175GAGQYOX0/unsplash-image-phvOC7bZ5XU.jpg Blog - What’s the catch on the 1.99% 6 month interest rate? - Because they know what grabs your attention. And I’m here today also proving that it does work to do that. These 1.99% offers are short-term teaser rates - typically for six months - designed to make you think you’re getting the deal of a lifetime. In reality? You’re being lured in with a bait-and-switch. I sat in on a private session with a lender offering this exact promo (with slightly different rates) and here’s what they told us directly: https://velomortgage.ca/blog/how-mortgage-interest-works monthly 0.5 2025-07-23 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1752035865329-F8XSIK4XXRZB9JY9U5WT/unsplash-image-HjoSk61hi5g.jpg Blog - How Mortgage Interest Works (Explained Like You're Melting Ice) - Your Mortgage Is a Block of Ice Imagine your mortgage is a huge block of ice. Like, taller-than-you, hard-as-rock, heavy-as-heck kind of ice. Each time you make a mortgage payment, you’re chipping away at that block. But the air around it? That’s interest - and it’s keeping the ice from melting fast. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/686cf378-e653-452b-ba1e-6bbdbd23acb3/Amortization+calculator+summary.jpg Blog - How Mortgage Interest Works (Explained Like You're Melting Ice) - Make it stand out Mortgage tools like Calculator.net ‘s amortization calculator is a great way to visualize your mortgage life span. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/2c2ab0f6-9b22-4b09-ab19-43120c4755ef/Amortization+table.jpg Blog - How Mortgage Interest Works (Explained Like You're Melting Ice) - And here you see your ice block, in real time. Each year, you chip away at your ice block. At first it’s mostly interest, as discouraging as that may be. However as you continue to pay it down, your principal balance shrinks. Therefore the interest charged on that principal also shrinks - so your constant payment of 2100 and change starts to skew from being interest-heavy, to focusing on principal. Notice how in year 8, things start to even out? About 50/50 principal and interest? Once you reach that break even point, you know you’re making progress. Peep the last few years of your mortgage - hardly any interest charged, and see how quickly a rather large balance is paid down (relative to the first few years, of course!). So, at the end of the day - don’t feel discouraged. That break even point is the light at the end of the tunnel. Want to reach that break even point that much faster? Get your heat lamp ready, and make some lump sum payments, or add an extra $ 50, $ 100, or $ 200 to each payment to speed up the melt. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1752036573454-U9IK7B6GDJALNSWLE3XY/unsplash-image-oTQVwECws8o.jpg Blog - How Mortgage Interest Works (Explained Like You're Melting Ice) - Make it stand out Take that, interest! https://velomortgage.ca/blog/40-year-amortizations monthly 0.5 2025-08-13 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1752029167371-MLGGZ9N7Z82VC4I12NRC/unsplash-image-9QTQFihyles.jpg Blog - 40-Year Amortizations: What They Are, Who They're For, and Why They're Making a Comeback - Because people are struggling. And not everyone can qualify for traditional mortgages. These extended-amortization options offer a non-private lending alternative with: Flexible income options: bank statements, contributory income, even liquid assets Contract rate qualification: no stress test using inflated rates No Loan-to-Income test: you’re not getting boxed out for making “too little” relative to home price Higher debt service limits: 55% GDS/TDS In other words: these products solve affordability challenges without diving straight into expensive private lending. https://velomortgage.ca/blog/mortgage-backed-securities-in-canada monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/a6d154e0-5302-4372-a38e-0861ecaa0ad4/big+3+insurers.jpg Blog - Mortgage-Backed Securities in Canada: What Homeowners Need to Know - The three main insurers are: CMHC (Canada Mortgage and Housing Corporation) Sagen (Previously Genworth) Canada Guaranty https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/58041be9-33fc-4f0b-a4d6-49e157a47453/how-does-mortgage-backed-security-work.png Blog - Mortgage-Backed Securities in Canada: What Homeowners Need to Know - Think of it like this: Photo use courtesy of CanGuard.ca https://velomortgage.ca/blog/the-kawartha-and-libro-credit-union-merger-what-it-means-for-ontario-mortgages monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/4a267c92-ac91-4dbe-b67f-8f528dd6cbf5/forward+together+libro+kawartha.jpg Blog - The Kawartha and Libro Credit Union Merger: What It Means for Ontario Mortgages - Make it stand out Libro CU and Kawartha CU’s merger announcement image on their website. As they state: “Forward, together isn’t just a phrase - it’s how we’ll get there”. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/3cc29ddd-bb54-473b-8b04-dc531ac3222b/Libro+map+.jpg Blog - The Kawartha and Libro Credit Union Merger: What It Means for Ontario Mortgages - From Peterborough and Bancroft to London and Windsor, this merger connects two massive zones of Ontario. This east-west corridor brings service to more rural towns, more small cities, and more urban mortgage clients than ever before. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/84c5dae6-71e4-41a4-afc8-0e33b99efe99/Kawartha+CU+locations.jpg Blog - The Kawartha and Libro Credit Union Merger: What It Means for Ontario Mortgages - Make it stand out Map of all Kawartha Credit Union locations https://velomortgage.ca/blog/fixed-vs-variable-vs-adjustable-rate-mortgages-explained-like-grocery-shopping monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751924529186-TWE97FEKVUINMWITSEZF/unsplash-image-D6Tu_L3chLE.jpg Blog - Fixed vs Variable vs Adjustable Rate Mortgages - Explained Like Grocery Shopping - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751925073546-2O7SKFDM3E6UBXMJYHCG/unsplash-image-zxPLJJz2o_c.jpg Blog - Fixed vs Variable vs Adjustable Rate Mortgages - Explained Like Grocery Shopping - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751925123111-I5J6KDLU40L76C2LFF7H/unsplash-image-CZtK_E89omo.jpg Blog - Fixed vs Variable vs Adjustable Rate Mortgages - Explained Like Grocery Shopping - Make it stand out Variable and Adjustable rates are similar - you’re still stepping into the grocery store, but the amount you spend and/or the amount of food you get can vary. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/f9eb73ac-df71-470c-b670-9c3dec36ad4d/Jeff+Headshot.png Blog - Fixed vs Variable vs Adjustable Rate Mortgages - Explained Like Grocery Shopping - Want help picking the one that fits your budget and your lifestyle? Book a free call with me today and let's figure it out together. Final Thoughts: Understanding mortgages doesn’t have to be hard. If you can grocery shop, you can get this. The real question isn't "which mortgage is best?" It's: which one makes the most sense for you right now? Let’s talk. I’ll help you pick the mortgage cart that gets you what you need - without surprises at the checkout. Book a call Or apply online now in under 5 minutes Jeff Dinsmore Mortgage Broker FSRA # 10315 TMG - The Mortgage Group https://velomortgage.ca/blog/why-assignment-sales-dont-work-in-2025 monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1cc7854a-b800-4078-965c-c6a19bdb7354/shopping_112516%7E3.jpg Blog - Assignment Sales in 2025: Why It’s No Longer the Easy Win Everyone Thinks It Is - Remember when buying a pre-construction home felt like winning the lottery? People would line up in the middle of the night outside builder offices like it was Black Friday. Emails flying. Ads shouting. Phones buzzing. “Office opens at 9 AM - lots won’t last.” And they didn’t. Within hours, all the best units were snapped up. Not by families looking to move in - but by investors planning to flip the contract before it ever closed. Which pissed off actual buyers who wanted homes for their families, but everything would be so picked over before they even built It was the easiest money in real estate. Until it wasn’t. Let’s talk about what assignment sales are, why they were once the holy grail of real estate profits - and why they’re now one of the riskiest moves you can make in 2025. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751923121559-MOBN36GJWKOGAWKCPDK2/unsplash-image-QhUuXiB3ZfY.jpg Blog - Assignment Sales in 2025: Why It’s No Longer the Easy Win Everyone Thinks It Is - What Is an Assignment Sale? An assignment sale is when you sell your right to buy a property before it closes. You’re not selling the house. You’re selling the contract you signed with the builder. The new buyer (called the “assignee”) agrees to take over your deal. Same price. Same terms. Same closing date. They step in, you step out - and ideally, you walk away with a fat profit. You don’t even have to make a single mortgage payment, just collect your $$$. Sounds slick, right? It used to be. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751923089724-ZEYVLG8ZQ5X53TPQ7COX/unsplash-image-u1KG_wZTnkg.jpg Blog - Assignment Sales in 2025: Why It’s No Longer the Easy Win Everyone Thinks It Is - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://velomortgage.ca/blog/fauquier-strickland-bankruptcy monthly 0.5 2025-08-12 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/bd6dd72a-4b29-4c36-aa78-ff3343d6912b/Fauquier-Strickland.jpg Blog - Fauquier‑Strickland, ON ran out of Money: What Homeowners Should Know - Fauquier-Strickland, Ontario, population 467, just made national headlines - not for a festival or natural disaster, but for something that hits even closer to home: The small, primarily francophone township is broke. They’re laying off all municipal staff. Halting all services. And warning residents of a possible 300% property tax hike unless something changes. Keep in mind: most residents are seniors on fixed incomes For most Canadians, it sounds surreal, but this is real. And if you own a home there (or in any small township), here’s what you need to know. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/7ac82341-454e-427a-b802-2b4d77373f82/Screenshot+2025-07-11+201508.jpg Blog - Fauquier‑Strickland, ON ran out of Money: What Homeowners Should Know - Make it stand out Township of Fauquier-Strickland Photo https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/a61a5ccd-2ca5-4b75-a84c-9c8aa3a1eaaf/Census-Fauquier-Strickland-2021-2016-2011 Blog - Fauquier‑Strickland, ON ran out of Money: What Homeowners Should Know - Make it stand out Census records - with population decreasing, and median age increasing, and median household income likely greatly supported by municipal roles, homeowners are concerned about what a large tax hit could do to affordability. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/eea3835b-49ec-447f-8763-5c612dbdbaff/Sign+of+Fauquier+Strickland Blog - Fauquier‑Strickland, ON ran out of Money: What Homeowners Should Know - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://velomortgage.ca/blog/are-mortgages-haram monthly 0.5 2025-08-13 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751916569360-UHT455APJLKOV0FYATSC/unsplash-image-gp_veO5Otm0.jpg Blog - Are Mortgages Haram? What Muslims in Canada Need to Know - Let’s not sugarcoat it. Most traditional mortgages are considered haram in Islam. They’re built on interest, structured to profit from lending money, and they violate the core principles of Sharia-compliant finance. And yet... Muslims in Canada still want to buy homes, build wealth, and protect their families. The question is: Can you do that without compromising your faith? Let’s break it down. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/fb71b863-287d-40f4-9e0e-71cb7b7cf2e3/unsplash-image-JFirQekVo3U.jpg Blog - Are Mortgages Haram? What Muslims in Canada Need to Know - Generally, the Murabaha structure is the most common, however they are all possible through these specific lenders. At the end of the day, the goal with all of these structures is the same: Avoid interest Share risk Tie payments to real assets instead of debt https://velomortgage.ca/blog/explain-like-im-5-how-do-mortgages-work monthly 0.5 2025-07-17 https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751918711899-85YEWR4TAM7JDB29334P/mortgage-bike Blog - Explain Like I’m 5: How Do Mortgages Work? - You’re a kid. You walk into a bike shop and spot your dream ride - bright red, chrome handlebars, maybe even a bell. You can picture putting some sweet streamers on that bad boy too. Price tag? $50. But you’ve only got $5 from the tooth fairy https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751919660102-UF24UJ7AU4HOB6FRYZDD/unsplash-image-L3f7TBeM0t4.jpg Blog - Explain Like I’m 5: How Do Mortgages Work? - Now here’s the fun part: That birthday gift? You can throw that straight at your balance. No interest. No extra thank-you tip needed. It’s called a lump sum payment - and it goes directly toward what you still owe on the bike. And because you’re not just paying the scheduled weekly bits, but extra, you’re chipping away at the debt faster than expected. Less interest overall. So you get the bike fully paid off sooner - and with fewer thank-you tips along the way. The shop owner nods with approval. “Smart move, kid. Most grown-ups don’t even think to do that.” And then one day... you hand over your final dollar. The shop owner reaches under the counter and pulls out a crisp envelope. “Congrats! You’re now the full owner of this bike - streamers and all.” Just like that - no more payments. No more debt. The bike is 100% yours. https://images.squarespace-cdn.com/content/v1/66f6ee3c06654d4837f1c42a/1751919748508-9WPLTQ5D0MJUN1LRO3ZT/unsplash-image-3YUdH9QCqYo.jpg Blog - Explain Like I’m 5: How Do Mortgages Work? - Not all mortgages are created equal. Some come with sky-high penalties. Others trick you with low rates but lock you in tight. And some are flexible, letting you pay faster if life gives you a raise, a windfall or a side hustle. You wouldn’t sign a contract for a $50 bike without reading it. So don’t do it with a $500,000 mortgage. https://velomortgage.ca/blog/assumable-mortgage-canada monthly 0.5 2025-07-17 https://velomortgage.ca/blog/7-questions-first-time-buyers monthly 0.5 2025-07-17 https://velomortgage.ca/blog/category/Refinance monthly 0.5 https://velomortgage.ca/blog/category/mortgage+tips monthly 0.5 https://velomortgage.ca/blog/category/Investors monthly 0.5 https://velomortgage.ca/blog/category/Mortgage+Tips monthly 0.5 https://velomortgage.ca/blog/category/Market+Insights monthly 0.5 https://velomortgage.ca/blog/category/Specialty+Programs monthly 0.5 https://velomortgage.ca/blog/category/mortgage+rates monthly 0.5 https://velomortgage.ca/blog/category/First-Time+Homebuyer monthly 0.5 https://velomortgage.ca/blog/tag/Home+financing+options monthly 0.5 https://velomortgage.ca/blog/tag/real+estate+investors monthly 0.5 https://velomortgage.ca/blog/tag/crypto+as+down+payment monthly 0.5 https://velomortgage.ca/blog/tag/how+does+mortgage+interest+work monthly 0.5 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