Alexandre Gould - Mortgages

Alexandre Gould - Mortgages Helping you secure the best mortgage rates and terms with expert guidance every step of the way. Let’s make your homeownership goals happen!

NB #250067151
NS #20253001110

Moncton , NB 📍

EN/FR

05/26/2026

🔁 Switching Lenders at Renewal Without Re-Qualifying

This is one of the most underutilized advantages in the Canadian mortgage market right now.

As of November 2024, borrowers doing a straight switch to a new lender at renewal no longer have to re-qualify under the mortgage stress test. This was a game changer. Previously, many people stayed with their existing lender — even at a worse rate — because they were afraid they wouldn't pass the stress test elsewhere.

That barrier is gone. If your bank offers you 5.1% at renewal and another lender is offering 4.5%, a broker can facilitate that switch seamlessly. On a $350,000 balance, that 0.6% difference is roughly $2,100 in interest savings per year — just for making a phone call.

💡 Key takeaway: Loyalty to your bank at renewal can cost you thousands. Always get a second opinion.

05/25/2026

💡 Your home isn't just where you live. It's a financial tool.

Most Canadians are sitting on significant equity and don't even realize they can put it to work.

Here's how it works:

↳ You refinance your mortgage
↳ You extend your amortization (up to 30 years with 20%+ equity)
↳ Your monthly payments drop
↳ You take that freed-up cash and invest it

Whether it's a TFSA, RRSP, real estate, or a diversified portfolio — that money compounds over time.

The goal isn't to carry debt forever. The goal is to make your assets work harder than your liabilities.

Curious if this strategy makes sense for you? DM me. 👇

05/20/2026

Did you know 6 in 10 Canadians break their mortgage before their 5-year term is up?

Life happens — job changes, growing families, relocations. And when it does, the lender you chose at signing makes a massive difference.

Here's what most people don't know:

🏦 Big Bank Mortgage Break Penalty:

On a $500,000 mortgage broken at year 3 → ~$18,000

🏢 Monoline Lender Mortgage Break Penalty:

Same mortgage, same situation → ~$4,000

That's a $14,000 difference — just because of how they calculate the penalty.

Why such a big gap?

Banks use something called a posted-rate IRD — an inflated rate that almost nobody actually gets. This artificially inflates your penalty.

Monoline lenders calculate using the actual discounted rate — the rate you really signed at. More fair. More transparent.

Monolines also typically offer:

✅ Lower mortgage rates (less overhead = savings passed to you)
✅ Up to 20% prepayment privileges per year
✅ More flexibility if life changes mid-term
✅ Smoother portability options

The bottom line? If there's even a chance you'll sell, refinance, or move before your term is up — and statistically, there is — working with a monoline lender through a mortgage broker can save you thousands of dollars.

That's the conversation we have with every client at Fairview Mortgages. 💼

📩 DM me — happy to run the numbers for your situation!

Alexandre Gould
Fairview Mortgages
(506) 227-1437
[email protected]

05/19/2026

A 15-unit rental property in Moncton successfully refinanced through CMHC-insured financing.

Structured at 85% LTV with a 40-year amortization, the result is a stronger cash flow and improved capital positioning.

Refinancing is not just about rates; it’s about structure, leverage, and long-term performance.

Reach out to discuss your portfolio.

Jeremie (506) 269-7422
Karim (506) 295-7547

https://www.fairviewconsulting.ca/

05/14/2026

❌ MYTH: Renting is throwing money away.

✅ FACT: It's not that simple — and anyone who tells you otherwise isn't doing the math.

Renting makes sense if:
→ You're moving within 2 years
→ Home prices are inflated in your market
→ Investing the difference outpaces appreciation

Buying makes sense if:
→ You're planting roots
→ You want to build equity over time
→ You're ready for the real costs of ownership

The right move depends on YOUR timeline, YOUR market, and YOUR goals — not a one-size-fits-all rule.

Want to run the numbers? reach out and let's figure out what actually makes sense for your situation.

Send me a DM — no pressure, just math.

05/12/2026

CMHC-insured takeout financing secured for a 17-unit townhouse rental portfolio.

With construction completed and the properties fully leased, the project has transitioned into long-term insured financing, strengthening stability and long-term performance.

From structuring to stabilization, every phase plays a role in optimizing the outcome.

Connect with our team to discuss your portfolio.

Jeremie (506) 269-7422
Karim (506) 295-7547

https://www.fairviewconsulting.ca/

05/07/2026

Denied by your bank? Don't panic — and don't call a private lender yet.

There's a step most Canadians skip, and it's costing them thousands.

When a bank says no, most people jump straight to private lending — paying 10–14%+ when they didn't have to. Here's what changes everything: B-lenders exist for exactly this gap.

These are regulated financial institutions that work with real-life situations:

✅ Credit scores from 550+
✅ Debt ratios up to 50%+ (TDS)
✅ Self-employed income, contracts, commissions
✅ Past bankruptcies or consumer proposals

Yes, the rate is a little higher than a big bank. But here's the key difference — it's a stepping stone, not a sentence.

The real strategy: get approved through a B-lender, make consistent payments, rebuild your credit profile, then transition to an A-lender or monoline at renewal. Most clients can make that move in 1–2 years.

Private lending has its place — but it should be your last resort, not your first call.

If you've been declined, let's talk before you sign anything. There's likely a better path waiting.

📩 Alexandre Gould | Fairview Mortgages

05/05/2026

Spring market is heating up — are you ready?

Before you start touring homes, the smartest first step is getting pre-approved. It tells you exactly what you can afford, strengthens your offer, and helps you move fast in a competitive market.

Don't let your dream home go to someone else because the paperwork wasn't in order. Let's get you ready before you fall in love with a listing!

Send me a DM

05/04/2026

Unpopular opinion from a mortgage broker: your house isn't an investment.

Yes, Canadian home prices climbed dramatically from 2020 on. But most of that growth is already priced in. If you bought in the last few years and life forces you to sell, there's a real chance you walk away with a loss once commissions, land transfer taxes, and closing costs come out.

A house is a place to live. It can build equity over time — but it isn't a stock, and treating it like one will hurt you.

Before you buy, get honest about three things:

→ Time horizon. Five years should be the floor if you want to ride out market cycles.

→ Exit strategy. What's the plan if your job moves, your family changes, or rates shift again?

→ Maintenance reserve. Roofs leak. Furnaces fail. Appliances die. Budget 1–3% of the home's value every year — because something will come up.

If you're buying a home to live in, fantastic. Let's make sure it fits your life and your numbers. If you're buying it purely as an investment, let's talk first.

Alexandre Gould
Fairview Mortgages
(506) 227-1437
[email protected]

📉 Rates have dropped — and the numbers speak for themselves.Back in 2023, Canadians were staring down variable rates nea...
05/03/2026

📉 Rates have dropped — and the numbers speak for themselves.

Back in 2023, Canadians were staring down variable rates near 6.5% and fixed rates above 5.5%. A lot of buyers hit pause. That was the right call at the time.

But here's where things stand today in 2026:

🔵 5-Year Fixed: 4.14%
🟠 5-Year Variable: 3.60%

That's a massive shift — and it means your monthly payments and purchasing power look very different than they did two years ago.

If you've been waiting on the sidelines for rates to come down... they have. The window is open.

Whether you're buying your first home, renewing your mortgage, or thinking about refinancing — let's run the numbers together and find the option that works best for you.

Alexandre Gould
Fairview Mortgages
(506) 227-1437
[email protected]

Address

Dieppe, NB
E1A

Telephone

+15062271437

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