Renewing Your Mortgage? Don’t Ignore Your Credit
Mortgage renewal shouldn’t feel automatic - where your lender sends you an offer, you choose a term, sign, and move on. Your renewal is an opportunity to make sure your mortgage still works for you — and your credit, debt, and home equity can have a bigger impact on...
Today’s Softer GTA Housing Market Could Create Tomorrow’s Supply Problem
If you're looking at the Brampton and GTA housing market today, it may seem strange to worry about a future housing shortage. But the GTA is starting to build fewer of the homes that will be needed several years from now. That creates an unusual housing-market...
Canada Slowed Immigration. How Has That Affected the Housing Market?
For the past several years, immigration has been at the centre of Canada's housing debate. Many Canadians believe record immigration caused the housing crisis. Others argue immigration is essential to Canada's economy and labour force. The truth, as is often the case,...
15 Lessons From 15 Years as a Mortgage Broker
For the past 15 years, I’ve had the privilege of helping Brampton families buy their first homes, move up to the next chapter of life, refinance, invest, and navigate some of the most challenging financial decisions they will ever make. Over that time, I’ve worked...
Brampton homeowners bet big on large houses. Now forced sales are on the rise
By May Warren Housing Reporter In one home for sale, giant photos of the Toronto skyline at dusk paper the walls of what might have been a rental apartment. Another house is missing a fridge, but there’s furniture piled in the basement, including a mattress and bed...
Why So Many GTA Buyers Feel Stuck — And What They’re Doing About It
An article from CBC News highlighted a growing reality across Canada: even households with solid incomes are struggling to buy homes. That conversation is especially relevant in Brampton and across the GTA, where many buyers feel caught between high home prices, tough...
Buyers Have Leverage and Many Ways to Use It
The housing market isn’t rebounding — it’s stalled. Across the GTA, including Brampton, sales activity varies by segment but remains below typical levels overall. Inventory has increased in many areas, prices have softened, and demand remains cautious amid ongoing...
The Mortgage Decision Most Borrowers Overlook—Until It Matters
When most people shop for a mortgage, the conversation quickly narrows to one thing: the rate. It’s the number that gets advertised, compared, and negotiated. And it feels like the clearest way to measure whether you’re getting a good deal. But a mortgage isn’t just a...
How March Changed the Mortgage Market — Fast
Just a few weeks ago, the mortgage market felt relatively steady. Rates were expected to hold, and many buyers were waiting for a clearer direction. Then the Iran war hit — and the market reacted fast. As oil prices moved higher, bond yields followed, fixed mortgage...
Fixed vs Variable: Making the Right Choice in Today’s Market
For the past two years, many Canadian homeowners and buyers have been waiting for one thing: lower interest rates. While rates have come down from their peak, the conversation today has shifted from when rates will fall to how stable they may remain. Inflation has...