The Co-Applicant Screw Up!

Posted on July 14, 2026July 14, 2026 by Andy MacDonald

This morning I had the pleasure of waking up just steps from the ocean at my spot in Cape Breton. Picture a travel trailer parked on a rocky beach surrounded by forty acres of forest and about 1200 feet of sheltered and secluded oceanfront. I started the day on my paddle board followed by a cool dip in the ocean and a coffee on the beach. My mind tends to wander at times like this, and a recurring thought I’ve had is how the mortgage industry in Canada has screwed over so many people over t...

Lessons From My Father: Timeless Wisdom for Private Mortgage Investors

Posted on March 2, 2025May 27, 2025 by Andy MacDonald

The other day, I was chatting with a colleague about the state of the private mortgage market in Ontario. The conversation took me back to something my father told me just weeks before he passed away. My father was a banker through and through. His career wasn’t just a job—it was part of his identity. He took immense pride in his work, and in his final days, he tried to pass on some wisdom. At the time, I was twenty and had decided to take a break from university. I had just landed a job as ...