Navigating a Mortgage Through Separation and Divorce

Posted On Sep 21, 2025

Separation and divorce are among life's most stressful and emotionally draining experiences. Amid the personal turmoil, you’re also forced to make major financial decisions, and the biggest one is almost always what to do with the matrimonial...

The Mortgage Stress Test: It’s Still Here, and It Still Matters

Posted On Sep 21, 2025

With interest rates finally starting to come down, you might be thinking that one of the biggest hurdles to buying a home—the mortgage stress test—is becoming less of a big deal. It’s a logical thought, but the reality is a bit more complex.The...

First-Time Buyers in a Cooling Market: Why This Is Your Moment to Seize

Posted On Sep 21, 2025

If you've spent the last few years trying to get into the GTA housing market, you've probably felt like you're playing a game that's rigged against you. Sky-high prices, punishing interest rates, and fierce bidding wars—it was a...

The Great Rate Debate Is Over. Now What? Navigating the GTA Market in a New Era

Posted On Sep 19, 2025

For the last two years, every real estate conversation was dominated by a single question: "Will the Bank of Canada cut interest rates?" It was the great debate, fueling speculation and keeping countless buyers and sellers on the sidelines, waiting...

My Journey Through Layoffs to Self-Employment: Why Your Mortgage Needs a Plan B

Posted On Sep 19, 2025

In my 30-plus years in financial services before becoming a Mortgage Agent, I sat in boardrooms and helped manage multi-million dollar portfolios. I had a great career, a great title, and a path I thought was predictable. And twice, that path...

Funding Your Child’s Dreams Without Derailing Your Own: A Parent’s Guide to Juggling High-Cost Activities and Your Mortgage

Posted On Sep 19, 2025

There’s a picture on my desk of my daughter at her most recent dance competition. She’s mid-leap, filled with a grace and confidence that makes me incredibly proud. That photo represents years of dedication, sacrifice, and passion—both hers and...