The blog
Answers to the questions people actually ask me, written the way I would answer them on the phone — including the times the honest answer is "don't do it".
- Written for Toronto and the GTA, current as of October 2026
- No rate predictions and nothing dressed up as advice it isn't
- New posts twice a month
Thank you
Your details are with me. I will call you within 1 business day from (647) 761-1646 — please save my number so you recognise the call.
- A 10-minute call to confirm your goals and numbers.
- I check your file against 30+ lenders and send you the realistic options.
- If it makes sense, we apply. If it doesn't, I tell you that too.
Latest posts
Your bank's renewal offer is higher than market. Now what?
Renewal letters are priced for convenience, not competitiveness. Why the gap exists, what moves it, and the leverage you may not know you have.
Read itGetting a mortgage on commission, gig or bonus income
Rideshare, commission or bonus pay? Lenders treat variable income very differently. What counts, what gets discounted, and why a decline isn't final.
Read itCan I switch my mortgage before renewal?
Yes, but breaking mid-term triggers a penalty that often wipes out the saving. How to work out whether switching early actually pays.
Read itReference guides
Rather just ask someone?
Most of these questions take two minutes to answer properly for your own situation.
Aleksey Tsoy · Mortgage Agent (Level 1) · Licence #M20001520 · Centum Financial Services LP · Brokerage Licence #13054