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?"
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.
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.
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 got a call a while back from a man named Raj. He’d just landed in Toronto from India with a work permit, a job in tech, and a dream of buying a home for his family. But every time he talked to a bank, he hit the same wall: "You don't have a Canadian credit score. Come back in two years."
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