Explore why Canada’s Prime Rate varies among banks and how it impacts your finances. Unravel the nuances behind these differences today.

When my clients purchased their dream home, they were faced with a daunting decision - choosing the right mortgage. The countless options, unfamiliar terms, and the weight of long-term financial commitment overwhelmed them. They needed guidance to develop their...

Using the Credit Limit Impact Calculator. This calculator isn’t about shaming debt or telling you to cut up your cards. It’s about understanding how lenders actually think — and giving you back control.

Dangerous Radon Gas: Radon is a naturally occurring radioactive gas that forms as uranium in soil and rock breaks down. Outdoors it disperses harmlessly. Indoors—especially in basements and lower levels—it can accumulate, and long-term exposure raises lung cancer risk.

Waiving Condition of Financing: In practice, it’s one of the most stressful pressure points in the entire transaction, especially when markets are competitive and timelines are tight.

You Need to Switch Lenders Now: The Cost of Waiting is Rising.

Mortgage Administrator: Most people think the mortgage story begins and ends with the rate, the lender, and the payment. But once the ink dries and the funds are advanced, a quieter—but incredibly powerful—player steps onto the stage: the mortgage administrator.

Predatory Credit Limit Increases: In reality, this kind of unsolicited credit limit increase is a predatory tactic that can put you at a serious disadvantage – especially if you’re a mortgage client or planning to be one.

Collateral Transfer Program: You’ll learn what a collateral mortgage is, how it differs from a standard mortgage, why banks default to them, how mortgage penalties quietly reinforce borrower lock-in, and how collateral transfer programs can sometimes provide a clean, strategic exit—without unnecessary cost or friction.

Private Mortgage is Cheapest Option: Projects don’t fail because money is expensive. They fail because money shows up too late, in the wrong amounts, or not at all.