— Insights —
Notes circulated to clients each quarter, made available here in lightly edited form. We do not publish on rate movements; we publish on structure.
Featured note
Why your renewal is the most negotiable moment of your mortgage.
April 2026 · Renewals · 8 minute read
The 120 days before maturity are the only window where a lender truly competes for your business. Most clients learn this far too late. We walk through the five levers most advisors overlook — three of which never appear on the renewal letter you receive in the mail.
By Elisabeth Bourget
Read the full note →March 2026 · Portfolio
OSFI's early-2026 guidance on how rental income may be applied has quietly reshaped what is possible for multi-property families. A practical primer with three structures we have used since the rule went live.
February 2026 · Cross-border
A client case study — how we closed a $4.8M Toronto mortgage for a New York-based executive inside 45 days of their landing date, with no Canadian credit history at the time of application.
January 2026 · Estate
When parents help adult children acquire a first major property, the question of who holds the mortgage matters more than the rate. Three structures, ranked by tax efficiency.
December 2025 · Income
A walkthrough of how three of our private-bank lenders read T2 filings differently — and how to position retained earnings narrative without overstating qualifying income.
November 2025 · Quebec
The Quebec notarial process is unfamiliar to clients accustomed to common-law closings. This note covers what it adds, what it removes, and the timing implications for inter-provincial purchases.
October 2025 · Macro
A decision framework based on your portfolio liquidity and risk tolerance — not on which way the Bank of Canada is expected to move next. Includes a downloadable worksheet.
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