Ryan Avery Your Lifestyle Mortgage Broker

05/10/2026

05/05/2026

How to invest in the S&P 500: A step-by-step guide.

Swipe through to learn the simplest way to get started with investing. Whether you're just beginning or looking to automate your wealth-building, this guide breaks it down into 5 actionable steps.

Step 1: Open a brokerage account (Wealthsimple or Questrade for Canadians)
Step 2: Fund your account with whatever you can afford
Step 3: Search for VOO or SPY
Step 4: Set up automatic investments as low as $10/week
Step 5: Let compounding work for the next 20+ years

The best time to start was yesterday. The second-best time is today.

Your mortgage, structured properly. Your investments, automated. Let's build wealth together. 📈

&P500

Let's find out. https://calendly.com/ryan-274/chatwithryan

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05/01/2026

The system is designed to work against you if you walk in unprepared. Transportation is one of the biggest wealth killers in Canada. I tell people all the time: 10% or less of your income should go towards everything transportation-related. Insurance, gas, payments, all of it. Most Canadians are double or triple that number and have no idea.

A car is not an investment. It’s a tool. Buy a good one.

Get pre-approved so you can control the financing. Negotiate the total price, not the monthly payment. And buy used—let someone else absorb the brutal first-year depreciation hit.

These three things alone could save you tens of thousands of dollars over your lifetime.

The dealership has done this thousands of times. You’ve done it maybe a handful. Go in with a plan or they’ll make one for you.

Save this before your next car purchase. 🏎️

Let’s find out. https://lnkd.in/gpP_MzGZ

homebuying realestatetips homebuyingprocess mortgagetips yourbroker homeownershipgoals 🏡💼

04/20/2026

If you know you know👌🏻

04/14/2026

Unlock better rates and financial freedom – Renew your mortgage with confidence. Your path to a brighter financial future starts with us in Kelowna, BC. 🏡💼”

04/03/2026

Best Raman at TNT👍

02/25/2026

🏠 **Myth #7: "I'm locked into my rate until renewal"**

Here's the truth: You have MORE power than you think. Even mid-term, refinancing options exist if rates drop or your situation changes. I've helped clients break free from unfavorable terms and save thousands by exploring alternatives early.

Your mortgage isn't a prison sentence—it's a strategy that can evolve with your life.

Ready to unlock your options? Let's chat about what's possible for YOUR situation.

Book your consultation: https://calendly.com/ryan-274/chatwithryan

02/22/2026

Fixed or Variable? The renewal question that keeps people up at night.

When you're renewing, one of the biggest decisions is: Do I lock in a fixed rate or take a chance on variable?

Here's the reality (no hype):

FIXED RATE ✓
- Your payment is the same for 5 years (predictable)
- You're protected if rates spike
- Peace of mind (you know exactly what you're paying)
- Current rates: 4.4%–4.6%

VARIABLE RATE ✓
- Usually starts 0.5%–1% lower
- If rates drop, you save money
- If rates rise, your payment goes up
- Best for: People with cash flow flexibility

Which one is "better"? That depends on YOU.

Are you someone who sleeps better knowing your payment is locked in? Go fixed.

Do you have flexibility in your budget and can handle payment increases? Variable might save you money.

One of my clients chose variable in 2022 when rates were rising. Sounds risky, right? But she had the cash flow to handle increases, and she's already saved $12,000 compared to the fixed rate she was offered.

The key? Make the choice that fits YOUR situation, not what the bank pushes you toward.

Let's figure out which one is right for you: https://calendly.com/ryan-274/chatwithryan

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02/18/2026

Why your bank wants you to renew with them (spoiler: it's not about you).

Your bank has ONE goal at renewal: Keep your mortgage in-house. They're not thinking about YOUR best rate, YOUR flexibility, or YOUR peace of mind. They're thinking about their bottom line.

Here's the difference:

BANK: Limited products, quota pressure, one-size-fits-all approach
MORTGAGE BROKER: 120+ lenders, personalized service, negotiation power

When you renew with your bank, you're essentially saying "I trust you to give me the best deal." But they're not incentivized to. They know switching is a hassle, so they count on inertia.

A mortgage broker? We WIN by finding you the best deal. Our success depends on YOUR satisfaction.

One client switched from her bank at renewal. She got a 0.45% lower rate, better terms, AND a lender that actually understood her business. Her bank's offer? Nowhere close.

Don't assume your bank has your best interests at heart. Shop around. You deserve better.

Let's find YOUR best renewal: https://calendly.com/ryan-274/chatwithryan

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