A renewal letter isn't a conclusion — it's an invitation to negotiate.
Mortgage broker. COO at Mortgage Outlet Inc.. The person Canada's financial press calls when the Bank of Canada moves — and the person hundreds of families call when a renewal letter doesn't make sense.
I'm a licensed mortgage broker — and the Chief Operating Officer at Mortgage Outlet Inc., one of the largest independently owned brokerages in Ontario. I've spent the last decade helping families buy, refinance, renew, and renovate. About once a week, you'll catch me on TV or in print explaining what the Bank of Canada just did, in language that actually makes sense.
But the work I love most happens at kitchen tables and on phone calls. A first-time buyer who feels overwhelmed. A renewal letter that someone is about to sign without negotiating. A reverse-mortgage question from a parent. That's my favourite part of the job: making people feel less alone with the numbers.
The cameras come on and off. The mortgage market keeps moving either way. Whether I'm explaining a Bank of Canada decision on national TV or sitting with one family over coffee, the job is the same: make the math make sense.
A short slice of recent commentary. The full archive lives on the press page.
A renewal letter isn't a conclusion — it's an invitation to negotiate.
The cheapest rate at the top of the page isn't always the cheapest mortgage across five years.
Parents co-signing for their child's mortgage is fraught with risks.
A few moments from a decade of media features, panels, and advocacy.
No script, no pressure, no jargon. Send a quick note or start an application and I'll come back to you, usually the same day.