Testimonial: Larry King

I was at a crossroad in my life where I had two choices, I either keep my property and secure a 2nd mortgage or sell and rent until I decide what my next move is. Andy provided me with multiple choices in regards to second mortgages, all at great rates. In the end, we discussed these choices and he helped me come up with the best solution. His insight was invaluable and his solution ultimately saved me thousands of dollars. I would highly recommend Andy, he is well versed in all areas of the...

Testimonial: Tracey Skanes

Recently I purchased a property in the "sellers" market only to sell in the "buyers" market (bad timing). I called Andy and he gave me unparalleled advice. He was the only person that didn't sugar coat my situation - he was matter of fact. He was there for me with my panic emails and messages at all hours. He understood that my livelihood was on the line. I finally closed my deal exactly how Andy had recommended, at no benefit to him. I will never buy or sell a property again without fi...

Testimonial: Debbie McNamee

I have been working with Andy for ten years now. Over that time, he has arranged a mortgage for me, helped me navigate the world of TFSAs and RESPs - both contributing and then withdrawing as my kids went to college - and managed my RRSP portfolio. I find him to be knowledgeable, helpful, and proactive in making sure that I am getting the maximum benefit from my investments, and I would highly recommend him. Debbie McNamee Burlington, Ontario

Testimonial: Gary Martin

I own a small business and needed to get a first mortgage on my home to take advantage of the equity. The banks were giving me the run around for months. Finally I came to my senses and let Andy take over. He Came through as promised and I ended up with a better rate and a superior product. Thanks for all your help Andy! Gary Martin Mississauga, Ontario

“Coles Notes” On A TFSA

tax free savings account
Tax Free Savings Accounts were created in 2009 as a way for Canadians to invest for their future. With the latest change in Government,  Canadians can now contribute up to $5,500 per year in their TFSA. Here is what you need to know about a TFSA: 1) You are allowed to contribute up to $5,500 per year to an account. If you have not contributed previously you can contribute up to $46,500 into a TFSA in 2016. 2) A TFSA is not your typical "savings account". Many people are under the as...

Need an Insurance Broker?

I’m pleased to announce that I have teamed up with Tracey Skanes of Axion -Skanes Insurance Solutions to offer home, auto, and business insurance to all my clients. Tracey is an Independent Insurance Broker with over 25 years of experience in the industry. I have known Tracey for over 30 years and have moved all my personal insurance to her due to her quality service and exceptional pricing. She has managed to save me several hundred dollars and increase my coverage. A winning combination...

RRSP Season Begins Today!

saving for retirement
RRSP season begins today...not next January or February! Did you wait until the last minute to contribute to your RRSP? January and February are traditionally the busiest months for RRSP contributions. Everyone scrambles to make a contribution before the March deadline in the hopes of reducing their income taxes. Reducing taxes is always a good thing but there is a smart way and a not so smart way to do this. A lifetime ago I worked in a local branch of one of the countries largest fin...

Banks Ignore The Bank of Canada

banks ignore bank of canada
If a Central Bank lowers rates do the countries banks listen? Yesterday the Bank of Canada lowered their target rate by 0.25% signaling their concern for the Canadian economy going forward. Historically the major banks in Canada would drop their Prime Rate by the same amount as the Bank of Canada. This change would usually be announced on the same day as the Bank of Canada announcement and be effective the following business day. Yesterday, TD Canada Trust announced that they would not...