Mortgage & Wealth Strategies
Say Hello To The Easiest Way To Mortgage
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Beyond The Rate
As expert mortgage brokers, we know building wealth through homeownership and achieving financial freedom is about more than just chasing the lowest rate—it’s about strategy.
We're taking you behind the scenes and giving you the insider tools and powerful strategies to get ahead. If you’re a first-time homebuyer, you’ll find everything you need to secure your first property and start building wealth from day one.
If you’re an existing homeowner, this is where you take control. Maximize the wealth-building potential of your current home with proven strategies for refinancing, leveraging equity, and optimizing your mortgage for bigger opportunities.
Your mortgage is more than a loan—it’s a gateway to long-term financial success.
Our goal is simple: to equip you with the knowledge and tools to make smart, strategic decisions that will transform your financial future.
Let’s get started.
Category: First Time Home Buyers (20 posts)
The 30-Year Mortgage Option for First-Time Homebuyers
January 23, 2025 | Posted by: Matt Broom-Hall
For many young Canadians, the dream of homeownership has felt increasingly out of reach. Soaring housing prices coupled with rising interest rates over the past two years have created a significan ...
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The Zero-Savings Down Payment Hack
January 22, 2025 | Posted by: Matt Broom-Hall
Are you ready to buy your first home but don’t have a down payment saved up yet? Don’t worry! There’s a smart strategy you can use to get the down payment you need, even if you h ...
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Unlock Up to $15,200 in Free Money for Your First Home
January 22, 2025 | Posted by: Matt Broom-Hall
The secret to unlocking this incredible opportunity lies in a government initiative designed specifically for first-time homebuyers like you. Let's dive into this strategy and how it can tra ...
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RRSP Loans for First-Time Home Buyers: What They Are, How They Work, and Where to Get Them
January 19, 2025 | Posted by: Matt Broom-Hall
For many first-time home buyers, the biggest challenge is coming up with a down payment. What if you don’t have enough saved—or anything saved at all? An RRSP loan might be the solutio ...
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RRSP Home Buyers Plan
April 24, 2024 | Posted by: Matt Broom-Hall
In 2024, the Canadian government made significant changes to the Registered Retirement Savings Plan (RRSP) Home Buyers' Plan (HBP), aiming to make homeownership more accessible, particularly for first ...
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Understanding Fixed vs. Variable Rate Mortgages
November 15, 2023 | Posted by: Matt Broom-Hall
If you're on the cusp of getting a mortgage, or if you're considering refinancing, you've likely encountered the terms 'fixed rate' and 'variable rate' mortgage. These are the two primary pathways i ...
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Unlocking the Door to Your Dream Home: Exploring First-Time Homebuyer Options
September 27, 2023 | Posted by: Matt Broom-Hall
Unlocking the Door to Your Dream Home: Exploring First-Time Homebuyer Options Home Sweet Home: these three words hold a special place in our hearts. Owning a home is a dream many of us aspire to achi ...
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Does Pre-Approval Affect Your Credit Score?
September 23, 2023 | Posted by: Matt Broom-Hall
In the journey to homeownership, understanding the impact of credit inquiries is crucial. I'm Matt Broom-Hall, a dedicated mortgage broker and First-Time Home Buyer Coach in Canada, and today I'll ...
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Can a first-time home buyer have a mortgage co-signer?
September 17, 2023 | Posted by: Matt Broom-Hall
Can New Home Buyers in Canada Use a Mortgage Co-Signer? Struggling to secure a mortgage or need a financial boost? Consider bringing in a co-signer. Dive deeper into this and other home-buying tactic ...
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Why Your Choice of Savings Account Matters: A Guide for Aspiring Homeowners
September 7, 2023 | Posted by: Matt Broom-Hall
So, you're thinking about buying a home—a major life milestone that requires careful planning and financial preparedness. One of the key factors in this journey is accumulating enough money ...
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5 Tips to Improve Your Credit Score Before Applying for a Mortgage
September 6, 2023 | Posted by: Matt Broom-Hall
Owning a home is a dream for many Canadians. However, taking the first step towards that dream often involves applying for a mortgage—a process that can be daunting for some, especially if y ...
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How to Create a Budget That Works: A Guide for First-Time Homebuyers
September 6, 2023 | Posted by: Matt Broom-Hall
Buying your first home is an exciting journey filled with new opportunities and challenges. While exploring different types of homes and imagining your life in them can be thrilling, it's crucial ...
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Unpacking the First Home Savings Account: Your Guide to First-Time Homebuying!
June 11, 2023 | Posted by: Matt Broom-Hall
Heads up, future homeowners! Ever fantasized about the smell of fresh paint in your very first home? With housing markets finding their footing and prices looking up, there's no better time to tur ...
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First-Time Home Buyer Budgeting: What You Need to Know
May 31, 2023 | Posted by: Matt Broom-Hall
Hey there, soon-to-be homeowner! As an Alberta first-timer, your journey to buying your first home is about to get real, but have no fear - we've got your back.Let's dive into how to budget smartl ...
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From Dream to Reality: A Guide to Becoming a First-Time Homeowner in Canada
February 14, 2023 | Posted by: Matt Broom-Hall
Steps to Becoming a First-Time Homeowner in Canada Becoming a homeowner is a major milestone, and for many people, it is the culmination of years of hard work and saving. If you are a first-time ...
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TFSA or RRSP For Down Payment Source?
May 19, 2022 | Posted by: Matt Broom-Hall
This past week I had a great chat with some first time home buyers. They knew that their RRSPs would be eligible for the Government of Canada Home Buyer's Plan but weren't sure about their TFSAs. ...
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Home-Buying 101: A Guide to Purchasing Your First Home
April 20, 2022 | Posted by: Matt Broom-Hall
Home-Buying 101: A Guide to Purchasing Your First Home Buying a home involves a lot of complex steps, but by doing your homework ahead of time, you can boost your know-how and have more confidence in ...
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Did You Know: When Bank Of Canada Increases Rates, It Reduces The Max Purchase Price You Qualify For?
January 4, 2021 | Posted by: Matt Broom-Hall
When the Bank of Canada increases its prime rate, banks and lenders move in lockstep in increasing their mortgage rates. Most people only think that the impact is solely on the monthly mo ...
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Real Estate 101: Essential Tips for First-Time Home Buyers
December 21, 2020 | Posted by: Matt Broom-Hall
Buying a home is always a big decision, but when you're a first-time buyer it's even more important to get it right. Without home-buying experience to draw on, it's easy to make mistakes you could ...
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10 Essential Tips for Taking Out Your First Mortgage
December 14, 2020 | Posted by: Matt Broom-Hall
Taking out your first mortgage presents a major financial commitment, possibly the biggest one you'll ever make, so it's crucial that you get the best deal available. Getting a mortgage is often n ...
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