Free Download — Workbook + Video Training
Free Mortgage Fit Workbook:
Turn My 2.5‑Hour Training
Into Your Personal Plan
Use this step‑by‑step workbook to plug in your own numbers, compare options, and choose a mortgage that actually fits your life — not just the lowest rate.
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Top 10 in Canada — Manulife Mortgage Volume
FSRA Licensed Mortgage Broker #10315
Serving Canadian Homeowners Since 2012
What's inside
Four things this workbook helps you figure out
Your real financial pressure level — before you pick a payment
Map out what you can actually afford to carry, not just what a lender will approve. Approval and comfort are not the same number.
The penalty and flexibility tradeoffs between fixed vs. variable
See the real cost of breaking early — and how the wrong structure can turn a $3,000 exit into a $15,000 one.
How your mortgage holds up against job changes, moves, and renewals
Stress-test your plan against what could realistically change in the next 3–5 years. Most people skip this step.
Exactly what to ask any lender so you don't get steered wrong
Walk into any broker or bank conversation knowing what matters — penalty formula, charge type, portability, prepayment rules.
The full framework
Eight sections. One complete decision.
01
Your Stability Window
How predictable is your life over the next 5 years — honestly?
02
Income & Qualification
What lenders actually count — and the gap most people don't see coming.
03
Behaviour & Alignment
How you actually handle money vs. how you think you do.
04
Your Structural Center
The one thing your mortgage must protect above everything else.
05
Execution Reality
The three-legged stool — you, the property, and timing.
06
The Decision Framework
Four flowcharts that route you to a concrete mortgage recommendation.
07
Advanced Strategies
Smith Maneuver, rental leverage, pay-down math — for when you're ready.
08
Final Commitment
Sign-off page and next steps. Sign intentionally.
👤
Who made this
Jeff Dinsmore
Velocity Mortgage
I have been helping Canadian homeowners navigate mortgage decisions for over a decade. Most people come to me asking about rate. I always ask about their life first.
This workbook is the framework I use with every client — now available to anyone who wants to understand how this actually works before they sign anything.
- FSRA Licensed Mortgage Broker #10315
- Top 10 in Canada — Manulife Mortgage Volume
- 519-574-7308 · jeff@velomortgage.ca
Ready to stop guessing
and start deciding?
Get the free workbook. Watch the training. Know exactly where you stand.