General Danny Cardoso 3 Nov
How Mortgages Can Accelerate Your Wealth-Building When most people think of mortgages, they picture a long-term debt—not a tax-planning tool. But with the right strategy, your mortgage can become one of the quickest routes to growing a real estate portfolio and lowering your taxable income. Why Real Estate Is Your Fastest Path to Wealth Real […]
Read MoreGeneral Danny Cardoso 20 Oct
Understanding When Appraisals Are Required in Canada Buying a home or refinancing your mortgage? You might be wondering if a home appraisal is something you’ll need to worry about. The answer: not always. Appraisal requirements vary depending on how much you’re putting down, the type of mortgage, and the lender’s policies. Let’s break down when […]
Read MoreGeneral Danny Cardoso 15 Oct
Why a Cooling Market Could Be the Best Time to Buy a Home in Canada When I met with a couple recently, they told me they were sitting on the sidelines waiting for “the right time” to buy. They had assumed they missed their chance when prices surged a few years ago. The truth? The […]
Read MoreGeneral Danny Cardoso 10 Oct
5 Questions to Ask Your Mortgage Broker in Canada Shopping for your first mortgage can feel like a big step, but it doesn’t have to be confusing. As someone who’s helped many young Canadians navigate their first home purchase, I’ve found that asking a few key questions up front keeps everything clear and stress-free. 1. […]
Read MoreGeneral Danny Cardoso 29 Sep
What’s Changed Since the Pandemic? Remember those record-low mortgage rates in 2020 and 2021? Some of us locked in 5-year fixed terms under 2%. But if you’ve been waiting for those deals to come back, it might be time to adjust expectations. Ultra-low interest rates were a response to a global emergency. Central banks, including […]
Read MoreGeneral Danny Cardoso 22 Sep
How Bond Yields and Bank of Canada Policy Rates Drive Mortgage Rates: What to Expect Through 2026 As your mortgage broker, I believe one of the most important conversations we can have is around why mortgage rates move, what is driving them now, and what might happen over the next year. Below I explain how […]
Read MoreGeneral Danny Cardoso 24 Jun
Is Your Mortgage Pre-Approval Actually Useless? Here’s Why It Might Be A Rate Hold Isn’t a Guarantee—And That Could Cost You the Home Getting pre-approved for a mortgage should feel like progress. It’s exciting, empowering, and often the first concrete step toward buying a home. But here’s the hard truth: if your mortgage pre-approval wasn’t […]
Read MoreGeneral Danny Cardoso 16 Jun
Many homeowners think the only way to access their home equity is by selling or taking on a mortgage with monthly payments. But what if you could access funds without making a payment? No-payment mortgage options—like reverse mortgages, alternative lender loans, and private mortgages—allow homeowners to borrow against their property without immediate repayment. Instead, interest […]
Read MoreGeneral Danny Cardoso 3 Mar
Looking back, 2020 was an ideal time to buy a home. Prices were lower, and mortgage rates were around 3%. Those who entered the market then have seen significant gains, with home prices rising more than 30% since early 2020. But if you didn’t buy, does that mean you’ve missed your chance? Not at all. […]
Read MoreGeneral Danny Cardoso 18 Feb
When choosing a mortgage, many borrowers focus on getting the lowest interest rate. But what happens if life throws a curveball and you need to break your mortgage early? The penalty for breaking a mortgage can be significant—sometimes wiping out any savings you gained from a lower rate. That’s why it’s important to weigh your […]
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