Mortgage Renewal Isn’t “Just Paperwork” Anymore — and Simply Renewing May Not Be the Right Move

Posted On Jan 15, 2026

For most of my career, my advice around mortgage renewals was simple and practical:If your lender’s rate is competitive, just renew.In more normal rate environments, that advice made sense. Switching lenders often meant legal costs, possibly an...

Variable Rate Mortgages in 2026: Why This Decision Is No Longer About the Rate Alone

Posted On Jan 08, 2026

As we start 2026, many homeowners with variable-rate mortgages are revisiting a familiar question:Should I stay variable, or should I lock into a fixed rate now?For much of last year, it was widely assumed that rates would continue to fall — and...

Are Pre-fabricated Homes the Answer to Our Housing Crisis?

Posted On Sep 21, 2025

You can’t read the news these days without hearing about a potential silver bullet for Canada’s housing crisis: pre-fabricated homes. The government is investing in and promoting this idea, and the vision is appealing—factories churning out...

Building Your Dream: A Guide to Construction Mortgages in the GTA

Posted On Sep 21, 2025

For many, the ultimate dream isn't just to buy a home, but to build one—a space perfectly tailored to your family's needs and vision. Whether it's a custom build on a piece of land or a major "down-to-the-studs" renovation of an...

The Hidden Power of Your Mortgage's Fine Print: A Deep Dive into Prepayment Privileges

Posted On Sep 21, 2025

When you're shopping for a mortgage, 99% of the focus is on the interest rate. It’s the big, bold number that everyone compares. But buried in the fine print of your mortgage documents is a feature that can be far more powerful than a slightly...

Affordable Housing & “Missing-Middle” Homes in the GTA

Posted On Sep 21, 2025

For years, the story of Toronto housing has been one of two extremes: gleaming condo towers downtown and sprawling single-family homes in the suburbs. The options in between—the duplexes, triplexes, and laneway homes that once formed the backbone...