Many homeowners—especially those without a mortgage broker—don’t fully understand mortgage penalties. And I get it! Financing a home can be overwhelming. But if you're considering refinancing, selling, making a lump sum payment, or need a way out, read this first.

Owning a vacation home is a dream for many families — a place to escape, recharge, and create memories. But before you start picturing sunsets on the deck, it’s important to make sure this big purchase fits your long-term financial goals.

This month, I’ve put together a little game for you - This or That. The challenge isn’t just to pick your answer, but to think about why it might be the better course of action. After you’ve worked through each scenario, keep reading for the explanation and see how many you got right!

When most people hear the term financial audit, they picture piles of receipts, endless spreadsheets, and someone telling them to cut back on lattes.

Shakespeare may have asked, “To be or not to be?”—but he didn’t have to pay $9 for a container of raspberries. In today’s economy, the real question many Canadians are asking is: “Fixed or variable?”

Applying for a mortgage can feel overwhelming—especially when you’re unsure what lenders are actually looking for.

Buying a home is one of life’s biggest milestones—and one of the largest financial decisions you’ll ever make.

Your mortgage isn’t meant to stay the same forever. As your life, goals, and financial situation evolve, your mortgage should evolve with you.

If you’ve ever wondered what a private mortgage is, how it works, or when it might make sense to use one, this post will walk you through the essentials.