https://l4liam2.github.io/Canada_mortgages/blog/ Chad Denie is a Toronto mortgage agent helping first-time buyers, homeowners renewing or refinancing, and real estate investors find the right mortgage with clear, honest advice. en-ca https://l4liam2.github.io/Canada_mortgages/blog/first-time-home-buyer-guide-toronto/ https://l4liam2.github.io/Canada_mortgages/blog/first-time-home-buyer-guide-toronto/ Wed, 02 Sep 2026 12:00:00 GMT First-time buyers A step-by-step walk through what actually happens between deciding to buy and moving in, including the costs most first-time buyers forget. https://l4liam2.github.io/Canada_mortgages/blog/fixed-vs-variable-mortgage-rate/ https://l4liam2.github.io/Canada_mortgages/blog/fixed-vs-variable-mortgage-rate/ Wed, 12 Aug 2026 12:00:00 GMT Rates and terms The honest trade-offs between fixed and variable rates, and the questions that matter more than guessing where rates are headed. https://l4liam2.github.io/Canada_mortgages/blog/mortgage-renewal-dont-just-sign/ https://l4liam2.github.io/Canada_mortgages/blog/mortgage-renewal-dont-just-sign/ Tue, 21 Jul 2026 12:00:00 GMT Renewals Lenders count on renewal customers accepting the first offer. A little effort in the last 120 days of your term can save you thousands. https://l4liam2.github.io/Canada_mortgages/blog/refinancing-when-it-makes-sense/ https://l4liam2.github.io/Canada_mortgages/blog/refinancing-when-it-makes-sense/ Tue, 30 Jun 2026 12:00:00 GMT Refinancing Refinancing can consolidate debt, fund a renovation, or lower your rate. The math has to include the penalty. Here's how to run it.