Ontario’s Worst Crime Cities

Ever feel like your mortgage lender waits until the last possible minute to send you that renewal offer? You’re not imagining it. There’s actually a legal minimum for how much notice they need to give you, but that doesn’t always mean you’ll have a lot of time to weigh your options. If you’re coming up on your mortgage renewal and wondering what your rights are, you’re in the right place.

Soldering Flux: When you’re helping a client buy a home—or you’re a homeowner tackling a small plumbing fix—sometimes you get hands-on with the little things that make a big difference. Ever tried soldering a brass fixture onto a copper pipe? If you have, you know it’s not just a matter of heating and sticking. The type of flux you use can make or break your seal. And since that connection directly affects the water that runs through your home, getting it right matters for both performance and health.

You’re doing everything right—working full-time, paying your bills, maybe even picking up a side hustle. But despite the long hours and steady income, you still feel like you’re barely treading water. Sound familiar? You’re not alone. Across Canada, more and more hardworking people are realizing that a decent income no longer guarantees financial stability—especially when it comes to owning a home.

Discover the impact of Hard vs. Soft Credit Pull on your score and how they affect your financial health in Canada. Stay informed with our guide.

RRSP Loans: You’ve probably seen the video clips on social media: someone cheerfully explaining how you can “stop using your own money” to buy a home. The idea sounds clever — borrow up to $50,000 from the bank, dump it into your RRSP, claim a juicy tax refund, then pull it back out 90 days later under the Home Buyers’ Plan (HBP) for your down payment. It’s marketed as a hack to get into the market faster, maybe even with “free money.”

“Hey Allen, I’m keeping the house, and I’m buying my ex out… What happens to the mortgage? Can I even afford it? Are there penalties?”

Let’s break it down step by step—with plain language, real talk, and expert insight—so you know what to expect if you’re the one staying put and buying your former partner out.

If you’re used to dealing with residential mortgages, here’s something that might surprise you about commercial lending: your salary isn’t the star of the show anymore. In fact, your personal income often takes a backseat altogether.

Ever notice how a man’s chest puffs up a little when a woman laughs at his joke? It’s almost instinctive — that quick grin, the spark in his eyes, the subtle exhale of relief. There’s more going on here than just comedy. Laughter, especially shared laughter, is emotional currency. It’s a social handshake, a silent way of saying, “I see you, I like you, and I’m comfortable with you.”

Commercial Leases: When you’re diving into the world of commercial real estate — whether you’re a business owner looking for the perfect storefront or a realtor helping clients secure that next deal — the lease structure can make all the difference. Too often, clients focus solely on location, square footage, or price, while overlooking how the type of lease can impact their cash flow, responsibilities, and even financing options.

Intercreditor Agreements: If you’ve ever seen a commercial real estate deal involving more than one lender—say, a bank providing the senior loan and a private fund offering mezzanine financing—you might’ve wondered: What happens if things go sideways?