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 sitting down with a young professional in Toronto last week. She’s been renting for years, saving diligently, and she’s finally ready to buy. But she looked at me and said, "Greg, I know there are programs out there. I just have no idea what’s still available and what’s changed."
I was on the phone with a young couple from Ottawa the other day. They’re renting, they’re saving, and they’re ready to buy—but they kept coming back to the same question: "Greg, how much do we actually need to put down? And where can it come from?"
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