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Straight mortgage advice for British Columbians. Especially built for self-employed buyers, renewers, and anyone whose income doesn't fit a T4 slip.

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Why a 15% Down Payment Gets You a Lower Rate Than 25% post image
By Javan Wyker
Aug 25, 2026

Why a 15% Down Payment Gets You a Lower Rate Than 25%

RRIF Conversion and the OAS Clawback: How to Model Your Withdrawals Around the 15% Recovery Tax post image
By Javan Wyker
Sep 16, 2026

RRIF Conversion and the OAS Clawback: How to Model Your Withdrawals Around the 15% Recovery Tax

Why Self-Employed Borrowers Should Ignore That 59% Stock Gain post image
By Javan Wyker
Sep 15, 2026

Why Self-Employed Borrowers Should Ignore That 59% Stock Gain

How a Smaller TFSA Limit Forces Hard Choices on Debt and Liquidity post image
By Javan Wyker
Sep 15, 2026

How a Smaller TFSA Limit Forces Hard Choices on Debt and Liquidity

Scott Galloway's TFSA Math Still Holds: Why 2026's Stable $7,000 Limit Matters post image
By Javan Wyker
Sep 14, 2026

Scott Galloway's TFSA Math Still Holds: Why 2026's Stable $7,000 Limit Matters

Canada's Budget Needs Surgery, Not Cosmetics: Why Half-Measures Will Deepen the Crisis post image
By Javan Wyker
Sep 13, 2026

Canada's Budget Needs Surgery, Not Cosmetics: Why Half-Measures Will Deepen the Crisis

Bank of Canada Held Rates Seven Straight Times. Here's Why Your Sole-Prop Mortgage Application Still Got Harder. post image
By Javan Wyker
Sep 12, 2026

Bank of Canada Held Rates Seven Straight Times. Here's Why Your Sole-Prop Mortgage Application Still Got Harder.

Canadian Exports to the U.S. Just Fell from 85% to 50%, and Your Trade Strategy Is Already Outdated post image
By Javan Wyker
Sep 12, 2026

Canadian Exports to the U.S. Just Fell from 85% to 50%, and Your Trade Strategy Is Already Outdated

How Oil Price Swings Move Your Fixed Mortgage Rate Through the Bond Market post image
By Javan Wyker
Sep 12, 2026

How Oil Price Swings Move Your Fixed Mortgage Rate Through the Bond Market

Why the Oil-to-Mortgage Rate Connection Won't Save You This Time post image
By Javan Wyker
Sep 11, 2026

Why the Oil-to-Mortgage Rate Connection Won't Save You This Time

Trump's Inflation Agenda Could Push Your Canadian Mortgage Rate Higher post image
By Javan Wyker
Sep 10, 2026

Trump's Inflation Agenda Could Push Your Canadian Mortgage Rate Higher

OSFI's New LTI Framework Changed How Lenders Approve High-Leverage Mortgages post image
By Javan Wyker
Sep 9, 2026

OSFI's New LTI Framework Changed How Lenders Approve High-Leverage Mortgages

Where to hold $2 million in retirement: asset location cuts the tax bill by thousands post image
By Javan Wyker
Sep 9, 2026

Where to hold $2 million in retirement: asset location cuts the tax bill by thousands

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Real mortgage advice for real BC homeowners. No script, no runaround.

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Why a 15% Down Payment Gets You a Lower Rate Than 25% post image
By Javan Wyker
Aug 25, 2026

Why a 15% Down Payment Gets You a Lower Rate Than 25%

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Subscribe to New Posts Straight mortgage advice for British Columbians. Especially built for self-employed buyers, renewers, and anyone whose income doesn't fit a T4 slip. Subscribe (Free)
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Straight mortgage advice for British Columbians. Especially built for self-employed buyers, renewers, and anyone whose income doesn't fit a T4 slip.

Subscribe (Free)
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Real mortgage advice for real BC homeowners. No script, no runaround.

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