My parents visiting my grandparents at their hotel in Spain circa 1968... Why only sometimes? To be frank, in many situations, it’s not...

Opposite end of the same street. Apologies to the OP for not crediting you. Often, when we’re buying a home, we’re focused completely on...

Inflation and the Bank of Canada Duking It Out On a Subway Platform Last Saturday Night... In Part 1, we talked about why we got into...

No, Dave Didn't Spend His Savings On This... You’ve likely been seeing a lot about inflation lately and probably also understand a bit...

Greetings from your analogue mortgage broker.... With more and more of our lives intersecting with digital processes, it’s easy to take...

Okay so, I feel like I wasn’t entirely honest with you last time. I may have implied that my grey hair is a newish thing. In truth, I’ve...

Actual photo - not a simulation. No dyes, colours or rinse used. I was only half joking about the hair colour thing... If you are nearing...

Kyoto, Japan 1970 When I sat down to write this, I wanted to create a Venn diagram, one of those flow charts, to illustrate the...

My Grandparents enjoying the sun at our home on Keewatin Avenue, Toronto circa 1970 I’ve written previously about the benefits for some...

I tend to blur the line between work and personal relationships. In fact I tend to treat that line as non existent. For example, I’m...

By now, unless you don’t have any access to news media whatsoever, you’ll be aware that interest rates are on the rise. Fixed rates have...

I rarely hear positive feedback when I talk to people about Reverse Mortgages. I’ve even heard Notaries, people that are normally fairly...

Over the past few years, we’ve lived through some very uncertain times – that uncertainty continues right up to the moment that I sat...

As you have no doubt read, we are in for some prime rate changes in the coming months. Those changes are expected and required so the...

One of the themes that has come out of the madness of the last two years is the idea that it’s an opportunity to ‘Reset’. Resetting how...

A couple of days I go, I met a friend, another broker, for a drink and a chat. It was interesting and a little nerve wracking, meeting...

Housing demand will still outstrip supply In the short, sometimes fevered run up to the election, each party has made room in their...

But That Ball Is Aimed Straight In Face Of The Middle Class. When the stress test was rolled out in 2016, it was lauded by many as a...

Recently the government, through the body that regulates federally charted lenders, OSFI, announced that it was ‘considering’ changing...

In my last blog, I talked a little bit about the transfer of wealth that’s funding some down payments these days. It’s not small amounts...