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Skip the Bank Our Mission is to bring clients the best rates and best advice to help them save money and pay off their mortgage faster.

We work with clients across Ontario to secure the best mortgage solutions possible. Complementary Real Estate Services Inc.Lic #10242 dba The Mortgage Centre Guelph is an independent member of The Mortgage Centre Network. All views expressed here are solely those of the author and do not represent The Mortgage Centre Network.

Your home holds potential.Join us for a live class to learn how to use your home equity to create a more secure retireme...
10/16/2026

Your home holds potential.

Join us for a live class to learn how to use your home equity to create a more secure retirement.

Tuesday, Oct 20, 2026 at 1 p.m. EDT • 60 minutes

Save your seat: https://bit.ly/SkipTheBanks

We’ll cover:
👉 Who may benefit from borrowing against home equity
📆How interest and fees affect the amount owed
🏠 What it could mean for the equity left in your home

Helping a parent explore their options? You’re welcome to attend together or on their behalf.

Live attendees receive the Home Equity Planner Workbook.

Can’t make it live? Register for the replay.

Your home equity can do more.Create more financial freedom in retirement without selling the home you love.Join us for a...
10/15/2026

Your home equity can do more.

Create more financial freedom in retirement without selling the home you love.

Join us for a free live online class to learn more.

Tuesday, October 20th at 1 p.m. EDT • 60 minutes

Reserve your seat: https://bit.ly/SkipTheBanks

Can’t attend live? Register for the replay.

Want to supplement retirement income, help your kids, or renovate, without selling your home? A reverse mortgage lets ho...
10/14/2026

Want to supplement retirement income, help your kids, or renovate, without selling your home? A reverse mortgage lets homeowners 55+ access tax-free funds from their home equity with no required monthly mortgage payments. It's not right for everyone, so let's talk through whether it fits your situation. Family members are welcome to join the conversation too.

Could borrowing against home equity create more room in your retirement budget?We’re hosting a live online class to expl...
10/13/2026

Could borrowing against home equity create more room in your retirement budget?

We’re hosting a live online class to explore how Canadian families are using their home equity to reduce financial pressure, lower or eliminate their mortgage payments, address existing debt and help family members.

Tuesday, Oct 20, 2026 at 1 p.m. EDT • 60 minutes

Save your seat: https://bit.ly/SkipTheBanks

Can’t attend live? Register for the replay.

To the realtors and business owners who've felt the slowdown this year: banks often look at your net income after write-...
10/12/2026

To the realtors and business owners who've felt the slowdown this year: banks often look at your net income after write-offs, which can make you look like you earn less than you do.

We work with lenders who understand self-employed income, including stated-income and equity-based options.

Whether you own one property or several, let's look at what your equity can do for you.

10/08/2026

This is why "waiting for lower rates" is a risky strategy for buyers.

With home sales remaining flat and rising bond yields pushing fixed mortgage rates higher, it’s understandable why many buyers are staying on the sidelines.

But here’s the truth: delaying a purchase isn't a safe bet—it's a gamble on 5 interconnected variables:

1️⃣ Interest Rates

2️⃣ Property Values

3️⃣ Qualifying Power

4️⃣ Inventory Selection

5️⃣ Market Competition

A lower price tag six months from now means nothing if higher rates wipe out your client's borrowing power—or if inventory dries up and forces them into a bidding war.

Owned your home for years but the bank won't lend because of a job loss or a gap in income? Your equity still counts. We...
10/06/2026

Owned your home for years but the bank won't lend because of a job loss or a gap in income?

Your equity still counts. We have direct access to private lenders who look at your property and your plan, not just your last pay stub.

Short-term solutions to get you through, with a clear plan to move back to a traditional lender.

Here's the truth a lot of buyers are realizing: after a year of waiting for perfect certainty, more households are refoc...
09/28/2026

Here's the truth a lot of buyers are realizing: after a year of waiting for perfect certainty, more households are refocusing on what matters, securing the right home for their family. Whether they're pets, children, or parents, we're motivated at The Mortgage Centre Guelph to help you secure what is best for your whole crew, not what's best for the lender!

Rates are stable. Inventory is healthy. The waiting game has diminishing returns.

We are ready to help when you are. 🔑

09/24/2026

For the first time in years, interest rates aren't the villain of the housing story. The Bank of Canada's rate has plateaued, which means you can return to the table knowing your monthly costs.

No more "what if it goes up next month?" Just a clear plan. That is the difference working with a mortgage broker. And no, you don't pay us, the lender does!

That's the Skip The Bank difference. 💪

Six holds in a row. The Bank of Canada has kept its policy rate at 2.25% since late 2025, and forecasters expect it to s...
09/22/2026

Six holds in a row. The Bank of Canada has kept its policy rate at 2.25% since late 2025, and forecasters expect it to stay put through 2026. Translation for you?

No more guessing games. You can finally plan your monthly payments with confidence instead of waiting for "one more drop."

That certainty is exactly what makes fall a smart time to move. 🍂

Contact us to run your numbers.

Address

125 Norfolk Street
Guelph, ON
N1H4J7

Opening Hours

Monday 9am - 8:30pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 8:30pm
Friday 9am - 4pm

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