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Notes from the desk.

Plain-English writing on rates, strategy and the quiet details of lending in British Columbia.

May 8, 2026

What a Bank of Canada hold really means for variable mortgages

The headline is "no change" — but variable holders should be doing more than nothing. Here is what to actually look at on your statement.

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April 22, 2026

Renewal day: the single most expensive form you will ever sign on autopilot

Most renewal offers leave money on the table. A short checklist for what to ask your lender — and what to compare it against.

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April 4, 2026

First Home Savings Account: a small program with surprisingly large compounding

The FHSA stacks with the RRSP Home Buyers' Plan and BC PTT exemption. For first-time buyers, the order matters.

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March 17, 2026

Fixed vs variable in 2026: why "lowest rate" is the wrong question

The cheapest rate today often costs the most over five years. Here is the structure question that actually matters.

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March 2, 2026

Buying a rental in BC: the three numbers you should know before you offer

Cap rate is a starting point. Debt service ratio, cash-on-cash and the lender's rental offset rule are where deals are actually made or broken.

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February 14, 2026

The quiet cost of a "free" bank switch

Discharge fees, appraisal credits and rate guarantees — what to read on the offer letter before the pen hits paper.

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