What Do We Do

We help you get the right mortgage – but that’s not where our job ends. We specialize in portfolio building. We are definitely mortgage brokers, but we usually start with a plan in mind. The way we view it – is it is not just bout the one transaction, it is about...
Should You Pay off Your Mortgage

Should You Pay off Your Mortgage

The next time you are at a cocktail party or family function and someone smugly tells you that they have paid off their mortgage – odds are they know little about personal finance and will likely limit their personal net worth as a result. After all, who really...
Financial Planning 101

Financial Planning 101

When you are young, your planner will suggest a growth portfolio – because you are young, you can take a little bit more risk than most people. When you have kids and you start to approach middle age, your planner is going to suggest you move to a balanced portfolio,...
How Banks Make Lending Decisions

How Banks Make Lending Decisions

The bank will rarely, if ever – give us any money if we tell them we want to invest it into a business or the stock market. There are some exceptions to this, but for the most part it is very difficult, almost impossible – banks simply do not want to because of the...