velomortgage

Helping Canadians make smarter mortgage decisions.

I’m Jeff Dinsmore, a licensed Canadian mortgage broker with TMG – The Mortgage Group (FSRA #10315). I help homeowners, first-time buyers, and investors understand how mortgages actually work in Canada.

On this channel, you’ll learn:

How Canadian mortgages really work

Fixed vs variable mortgage strategy

Mortgage renewals and how to avoid overpaying

Refinancing strategy and penalty math (including IRD)

How to qualify for more than your bank says

Insured vs insurable vs uninsured mortgages

How lenders calculate approval amounts

This is a mortgage strategy channel.

If you’re buying, renewing, refinancing, or trying to understand your options in Canada, you’ll find practical, real-world guidance here. Subscribe 

I personally monitor my clients' mortgages for rate drops, penalty risk, and refinance windows. If you want the same: 
https://velomortgage.ca/mortgage-monitoring-application

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