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Ryan Best Mortgage Agent

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11/04/2026

What happens at the Bank of Canada doesn’t stay at the Bank of Canada.

Every rate announcement ripples outward, through lender pricing, into variable-rate payments, fixed-rate offers, and eventually your monthly budget. Inflation, trade uncertainty, and the job market all play a part in where rates go next.

Whether rates move or hold, the right question is the same: is your mortgage still the right fit for your goals?

Our job is to turn big-picture headlines into practical next steps, so you can protect your cash flow and strengthen your long-term plan.

📲 Connect today to review your mortgage strategy in light of the latest Bank of Canada decision.

*Please be advised that while we specialize in mortgages, we are not certified financial planners. The (financial) tips we offer throughout the month of November are not intended to replace the guidance of a licensed financial planner or accountant. In fact, we strongly recommend the collaborative approach of assembling a team of professionals when it comes to your financial planning needs. Bringing together experts in various financial domains, such as licensed mortgage professionals (agents/brokers), financial planners, and accountants, ensures a holistic and well-informed financial strategy.

11/02/2026

November is Financial Literacy Month in Canada, and this year’s national theme is all about one simple idea: talk money.

Follow along with us all month for practical tips on budgeting, saving, managing debt, and making confident decisions about your home and your finances.

The more you know, the better prepared you are for the unexpected, and the closer you get to the goals that matter most to you. 💬🏡

*Please be advised that while we specialize in mortgages, we are not certified financial planners. The (financial) tips we offer throughout the month of November are not intended to replace the guidance of a licensed financial planner or accountant. In fact, we strongly recommend the collaborative approach of assembling a team of professionals when it comes to your financial planning needs. Bringing together experts in various financial domains, such as licensed mortgage professionals (agents/brokers), financial planners, and accountants, ensures a holistic and well-informed financial strategy.

10/31/2026

🎃 Happy Halloween! 👻

From haunted houses to home sweet homes, today is all about spooky fun and a little extra magic in the air.

No tricks here, just trusted mortgage advice and a team committed to helping you feel confident in your financial journey.

Have a safe and spirited Halloween filled with treats and good memories.

10/28/2026

Life rarely follows the plan, and your mortgage should be able to keep up.

A new baby. A separation. A blended family. A career move across the country. Caring for an aging parent. Losing a loved one. Big life moments often bring big financial questions, usually when you have the least energy to sort through them.

That's where we come in.

✅ We review your current mortgage and what your options really are
✅ We explore solutions like refinancing, spousal buyouts, porting, or restructuring your payments
✅ We help you build a plan that fits the life you're living now

You don't have to figure it out alone. We're here for the milestones, the curveballs, and everything in between.

📲 Going through a change? Let's talk. Know someone who is? Share this with them.

10/28/2026

Most homeowners have one relationship with their mortgage. Get rid of it as fast as possible.

It's an understandable instinct. The mortgage is big, it's long, and it costs a lot in interest. Eliminating it feels like progress. And it is — just not the whole picture.
Investors think about debt differently. Not because they're reckless with it, but because they've learned to ask a different question.

Not “what does this cost me?,” but “what can this do for me while I'm paying it down?”

That shift in thinking is the key.

A mortgage, looked at through that lens, isn't just a liability to eliminate.

It's the largest financial structure most Canadians will ever have access to. One that creates equity every single month, sits at the intersection of tax planning and long-term investing, and can be structured to build wealth at the same time it gets paid off.

That's what the Smith Manoeuvre™ is. An investor's approach to a mortgage most Canadians are already carrying. The equity created each month gets invested immediately. The interest on that investment loan becomes tax deductible. A portfolio builds alongside the mortgage rather than waiting until it's gone.

Same mortgage. A completely different question being asked of it.

As a Smith Manoeuvre Certified Professional™, helping homeowners make that shift is one of the most rewarding parts of what I do.

If you've only ever asked the first question about your mortgage, the second one is worth considering.

Let's talk.

10/26/2026

Fixed mortgage rates have been creeping up as bond yields rise, driven by persistent inflation concerns, elevated energy prices, and global market volatility. For homeowners watching their borrowing costs tick higher, it's an uncomfortable trend.

But here's something worth understanding about how the Smith Manoeuvre™ relates to rising rates.

The strategy generates tax deductions from the interest on the investment loan — the portion of debt that has been converted from non-deductible mortgage debt into tax-deductible investment debt. When rates are higher, that interest cost is larger. Which means the annual tax deduction is larger. Which means more comes back at tax time.

The environment that makes an unstructured mortgage more expensive makes a structured one more valuable.

That doesn't mean rising rates are good news across the board. They affect borrowing costs, qualification thresholds, and monthly cash flow in real ways that matter. But for homeowners who have a coordinated mortgage strategy in place, the rate environment is something the plan accounts for rather than something it's at the mercy of.

The Smith Manoeuvre™ was designed to work in any rate environment. The structure adapts. The long-term trajectory stays on course.

As a Smith Manoeuvre Certified Professional™, helping homeowners build a strategy that holds up regardless of what bond markets do next is exactly what I do.

Rising rates are a reason to get strategic, not a reason to wait.

If you want to understand what that looks like for your situation, I'd love to walk you through it.

10/26/2026

Still paying rent on your business space? It might be time to own it.

For many business owners, buying the building they operate from is one of the smartest long-term moves they can make. Instead of paying a landlord, your monthly payment builds equity in an asset you control.

Owner-occupied commercial financing can help you:

✅ Keep your occupancy costs more predictable
✅ Build equity alongside your business
✅ Earn income by leasing out extra space
✅ Renovate and customize on your terms

Clinics, retail shops, trades, restaurants, offices, and light industrial spaces all qualify. Commercial financing works differently from residential, with its own lenders, down payment requirements, and approval criteria. That's why having an experienced agent/broker in your corner matters.

📩 Ready to stop renting and start owning? Let's talk about your commercial goals.

10/21/2026

❌ Myth: You need a spouse or partner to buy a home.
✅ Reality: There's more than one way to become a homeowner.

More Canadians are teaming up with the people they trust to get into the market:

✅ Friends buying together and splitting the costs
✅ Siblings co-owning a home or investment property
✅ Parents and adult children buying a multigenerational home
✅ Solo buyers using a rental suite to help them qualify

When you buy together, lenders can combine everyone's income, which can increase what you qualify for. Just remember: everyone on the mortgage is responsible for the full amount. A written co-ownership agreement that covers who pays what, and what happens if someone wants out, is a must.

📩 Buying with someone, or on your own? Let's map out your options.

10/21/2026

Every financial survey recently paints a picture most Canadians will recognize immediately.

71% expect higher living costs this year. 59% anticipate the economy will get worse. 79% are worried about inflation's impact on their personal finances. And 68% expect their cost of living to keep rising while only 29% expect their income to follow.
That's not a mindset problem. That's a structural one.

When everyday costs consume most of what comes in, getting ahead financially starts to feel less like a goal and more like a luxury. The instinct is to wait — for things to settle, for a better moment, for some external force to make the path forward a little clearer.
But external forces aren't particularly reliable right now.

What is reliable is structure. Specifically, the structure around your mortgage — the biggest financial commitment most Canadians are carrying — and whether it's been set up to do more than just get paid off.

The Smith Manoeuvre™ doesn't ask you to find extra money in a budget that's already stretched. It works with the mortgage payment already going out the door, converting it into a structure that builds a portfolio, reduces your tax bill, and accelerates your paydown simultaneously.

The financial environment is uncomfortable. That part is real. But the path forward doesn't have to wait for the environment to improve.

As a Smith Manoeuvre Certified Professional™, helping homeowners find that path is exactly what I do.

If you're ready to stop waiting and start building, reach out.

10/20/2026

A "no" from your bank isn't the end of the conversation. Often, it's the start of a better one.

Banks follow strict lending guidelines, and plenty of great borrowers don't fit neatly inside them. You might be:

✅ Self-employed or earning commission, contract, or gig income
✅ Rebuilding your credit after a tough stretch
✅ Navigating a separation or divorce
✅ New to your job or new to Canada
✅ Financing a unique property

As licensed mortgage agents/brokers, we work with banks, credit unions, alternative lenders, and private lenders. That means more ways to find a solution that works today, and a plan to move you toward better rates down the road.

📩 Heard "no" recently? Let's find out what's possible.

Address

London, ON

Telephone

+15198682378

Website

https://app.scarlettnetwork.com/Simply_The_Best

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