Here’s a call I get almost every week in Winnipeg: “Ted, we found a bigger place — but we’ve still got three years left on our mortgage at a rate we’ll never see again. Are we going to get hammered with a penalty?” It’s a fair worry. A huge number of Manitoba homeowners are sitting […]

Here’s a question I get almost every week from first-time buyers in Winnipeg: “I’ve got an FHSA and I’ve got some RRSP savings — do I have to pick one?” No. You can use both, for the same house, in the same transaction. And when you do the math, the numbers get big fast. A […]

If you’re buying a home in Winnipeg this year, there’s a step in your mortgage that used to be an afterthought — and it isn’t anymore. Every lender in Canada requires proof of home insurance before your mortgage can close. No policy, no keys. For decades, that was a ten-minute phone call. But after this […]

If you’re a first-time buyer looking at a newly built home, Ottawa just handed you one of the biggest incentives in years. The First-Time Home Buyers’ GST/HST rebate — which received Royal Assent in March 2026 — can refund up to $50,000 of the GST paid on a new home. And it doesn’t stand alone: […]

If your mortgage comes up for renewal this year, you’re in good company — and, unfortunately, in for some sticker shock. Canada’s long-anticipated renewal wave has officially peaked, with roughly 1.8 million mortgages renewing in the 12 months surrounding mid-2026. Most of those borrowers locked in five-year fixed rates of 2.5% or less back in […]