Plain-English explainers on the mortgage questions Canada's press calls me about most often. Written for the situations my clients actually walk in with.
Most Canadians lose money at renewal by signing the first letter their lender sends. Here's the four-step playbook I give every client — including how early to start, what to ask for, and the leverage you actually have.
Rate-cut and rate-hike headlines move fast. The takeaway most borrowers actually need rarely makes it into the headline. Here's the framework I use on TV and the part I save for clients.
The maximum mortgage a lender will give you isn't the same number as the payment you can comfortably carry. The difference between those two numbers is half the conversation, and it's the half most first-time buyers skip.
Fixed vs. variable is not a forecast question. It's a fit question. Here's what I ask every client before I give them a recommendation, and why the answer is rarely about where rates are headed.
Reverse mortgages get oversold and overhated in equal measure. Here's the honest version — when it's the right tool, when it isn't, and the questions I make every family answer before we proceed.
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