Resources
Mortgage know-how, in plain language.
No jargon, no sales pitch — just the things I explain to clients every week. Have a question that isn’t here? Ask me directly.
Free download
The 2026 Guide to Buying a Home in Ontario
Down payment, the stress test, closing costs, and the 2026 rule changes — in one clear guide.
The mortgage stress test, explained
Why you have to qualify at a higher rate than you pay — and how it shapes your budget.
Read more →Fixed vs variable: how to actually choose
There’s no universal right answer. Here’s how to weigh the trade-offs for your situation.
Read more →Broker vs your bank
Why comparing 50+ lenders beats one bank’s rule book.
Read more →Self-employed? How lenders read your income
NOAs, T1s, financials and the lenders that understand business-for-self.
Read more →When the bank says no
Alternative and private options, used responsibly, with a plan back to A-lending.
Read more →What changed in 2025–2026
Insured cap to $1.5M, 30-year amortizations, secondary-suite refinancing — what applies to you.
Read more →Ready to see your options?
Book a free, no-obligation call. Honest answers and a real plan — even if the bank already said no.
22+ years · licensed · 50+ lenders
