That Mortgage Guy

11/06/2025

T-1 in goals ⭐️
T-2 in points ⭐️

NHL 2nd Star of the Month 🤩🤩

09/17/2025

BOC cuts interest rate by .25 bps. Now 2.50%

The Bank of Canada said Wednesday that it is lowering its key interest rate by 25 basis points to 2.5 per cent.

09/11/2025

Section 222
Row 1
Seats 1 & 2
January 17th 2026
6PM
$325 each, $650 for the pair

08/28/2025

08/14/2025

🏡 The term of your mortgage is the specific length of time (e.g., 6 months, 1 year, 3 years, 5 years, or 10 years) that your current mortgage agreement, including your interest rate and conditions, is in effect.

It's not the full amortization period, but rather the period until you need to renew or renegotiate your mortgage! You'll likely need multiple terms to repay your mortgage. If you pay the balance at the end of your term, you don't need to renew your mortgage.

Understanding your term helps you plan for future renewals and potential rate changes. Want to learn more? Let's chat!

08/13/2025

When you work with a licensed mortgage agent (broker), a mortgage pre-approval isn’t just a casual estimate, it’s a detailed financial snapshot that helps you understand exactly how much you can borrow and what interest rate you can expect before you start shopping.

Unlike a full approval, which comes after you’ve made a formal purchase offer. When you work with us we do what is called an “under-written” pre-approval which involves a thorough review of your income, credit history, and debt-to-income ratio vs just comparing your income alone to the home price (online calculators/instant pre-approvals). This comprehensive early analysis allows you to confidently target homes within your price range, lock in competitive rates for a set period, and address any financial hurdles up front.

Take control of your home buying adventure. Get in touch to begin your pre-approval process and unlock more options, better rates, and peace of mind.