Real Estate, Interest Rates, and Market Reality: Why It’s Time to Take a Deep...
Lately, whenever I talk to clients, friends, or family across Ontario, I hear the same thing: people are anxious. They’re worried about where interest rates are going, what their homes are worth, and...
View ArticleAsk the mortgage expert: Is now a good time to buy a cottage in Canada? (2026)
Following the herd rarely gets you the best deal is one thing I have learned through almost four decades in the mortgage and real estate industry. When everyone is rushing into the market, bidding...
View ArticlePart 2: Beating the Math: How Buyers Can Win in a Broken Mortgage Market
(click here to read Part 1: Breathing the Math: Why Politicians are failing Canadians and what you can do.) If you are a first-time buyer trying to get into today’s market, you cannot wait for the...
View ArticleMortgage expert alert: Will the Iran War and rising inflation offer a buying...
Escalating tensions in the Middle East have erupted into war between the US and Iran. Spiking oil prices from Strait of Hormuz blockages are already having an immediate, aggressive impact on your...
View ArticleHouse Poor is Out. “Kid Poor” is In.
Why the cost of modern parenting is drowning families—and how to be the adult in the room to fix it. This is an article I began writing 8 months ago. I delayed publishing it because my inner circle...
View ArticleAsk the mortgage expert: How to buy a home in 2026, between budgets,...
Every year, homebuyers across Canada hold out for the silver bullet—a policy change that will suddenly make the path to homeownership clearer. From tax reforms to supply-side stimulus, the landscape...
View ArticleCanada Housing disaster 2025: The Great Canadian Shell Game
If you’ve been waiting for a miracle in the Canadian housing market, I hope you like waiting. Despite the “bold” headlines coming out of Ottawa and the provinces, the average Canadian is still getting...
View ArticleStop Bleeding Cash: Why Your Mortgage is the Ultimate Financial Power Tool
Let’s have an honest conversation about the financial squeeze many Canadians are feeling right now. Prices are up at the pump, at the grocery store, and certainly in utility bills. But for many...
View ArticleAsk the mortgage expert: how Canada’s self-employed can unlock homeownership
For too long, Canada’s self-employed have faced a maddening paradox. The very financial strategies that prove your business savvy—like maximizing deductions to lower your taxable income—often become...
View ArticleThe Condo Carnage Is Real.. but is it over?
Let’s call this what it is: a day of reckoning. The great Canadian condo delusion, a mass psychosis fueled by cheap money and a fear of missing out, is over. The speculative fever has broken, leaving...
View ArticleThe speed Discharge: Bankruptcy wins over Consumer proposal
In the world of debt relief, two primary options often come to mind: consumer proposals and bankruptcy. While both offer a path to financial freedom, they differ significantly in their implications...
View ArticleRefinance today before you can’t tomorrow
Alright, let’s talk mortgages. Because right now, for a lot of Canadians, that word “mortgage” isn’t exactly synonymous with “sweet dreams and financial freedom.” No, for far too many, it’s becoming a...
View ArticleAsk the Expert: Can the new Liberal housing plan solve Canada’s housing crisis?
Recently, Prime Minister Mark Carney and the Liberal party unveiled Building Canada Strong, a new ambitious housing plan to accelerate residential construction with the goal of building 500,000 homes...
View ArticleA Financial Crisis Or Is It?
2025 will go down in history as one of those years filled with volatility and turmoil. There’s a quote from a book I read that seems appropriate today. “People want certainty versus accuracy.” I hope...
View ArticleAsk the Expert: Steve Garganis – With the capital gains tax hike on its way...
With the capital gains tax increase looking less and less likely, how should Canadians be thinking about investment properties? Is now the time to buy? Earlier this year, the federal government...
View ArticleTariffs Up but Mortgage Rates Down
A quick note… we’ve all heard about the Trump Tariffs. It will make everything more expensive. Canada and also in the USA. It will put people’s jobs at risk, we are likely to see layoffs, and...
View ArticleAsk the Expert: Steve Garganis – How Trump’s tariffs will affect your...
I will start with a quote from Trump’s book, The Art of the Deal “I aim very high and then I just keep pushing and pushing and pushing to get what I’m after. Sometimes I settle for less than I thought...
View ArticleAsk the Expert: Steve Garganis – Solutions for a flatlining condo market and...
With 2024 behind us and the new year upon us, the housing market is in a delicate balance. Interest rates are declining, which is great news for borrowers. However, these cuts are giving way to a...
View ArticleAsk the Expert: Steve Garganis on how the US impacts Canadian mortgage rates
We all know that whatever happens in US it will affect Canada. Here is my next interview with RatesDotCa for their Ask The Expert edition – Steve Garganis on how the US impacts Canadian mortgage...
View ArticleAsk the Expert: Steve Garganis on future bidding wars and why the feds should...
I had the pleasure of being interviewed by RatesDotCa for their Ask The Expert edition on the current and future markets, rates prediction, amortization, and new changes to the mortgage industry. Here...
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