I had a call last week from a client in London, Ontario. His mortgage is up for renewal in a few months, and he saw a better rate advertised online. He asked me: "Greg, should I just switch to get that lower rate? What's the catch?"
Your credit score isn’t just a number. It’s one of the most important factors that determines:
In today’s market, getting approved isn’t just about income and credit anymore. It’s about how you position yourself before you even apply. Most people wait until they’re ready to buy… Smart buyers prepare months in advance — and that’s what gives them the edge.
Buying a new construction home is exciting — everything is fresh, modern, and built just for you. But from a mortgage perspective? It’s a completely different game compared to buying a resale property. If you don’t structure it properly, you can run into delays, extra costs, or even financing issues. Let’s break down what you need to know.
I was grabbing coffee with a buddy of mine in Hamilton last month. He’s got a good job, a bit of equity in his home, and he’s been thinking about buying a rental property. He looked at me and said, "Greg, I see all these Instagram gurus talking about portfolios. But for a regular guy like me, is this actually possible?"
I was talking to a young couple in Ottawa last month. They’d been looking for months, but every move-in ready home in their budget felt like a compromise. Then they found the one—a solid older home in a great neighbourhood. It just needed a new kitchen and a bathroom refresh.
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