David Hetti - Your Mortgage Expert

09/02/2026

08/27/2026

New tariffs just hit:

Your groceries, clothes, electronics—EVERYTHING is about to cost more 📈

This is happening NOW and most people have no idea.

What are you noticing getting more expensive?

08/26/2026

From rising insolvency filings to what’s really happening with rates — here’s what the numbers are telling us this week.

08/11/2026

Owned a home before? Don’t assume you’ve lost first-time buyer status. 🏡
Canada has more than one definition:
→ Federal (FHSA, HBP, tax credit): 4-year rule — haven’t lived in a home you owned in 4 years? You may qualify again.
→ Ontario land transfer tax refund: lifetime rule. Own once, anywhere, ever — you’re out. ⚠️
Different program, different test. Ask before you assume.
DM me and I’ll tell you which rules apply to your situation.

08/05/2026

Canada’s Mortgage Renewal Wall — Not as Bad as Feared?

Millions of Canadians who locked in ultra-low rates are hitting renewal — and bracing for payment shock. Turns out the outlook may be less severe than expected, with lenders offering longer amortizations & refinancing options to ease the transition.

08/04/2026

Rising rates got your mortgage payment feeling like a second job? 💸 You’re not alone — and you’ve got more options than you think. Extend your amortization, switch lenders, or restructure to actually fit YOUR budget. That’s literally our job. 📲 Reach out today, let’s fix this together.

07/31/2026

📈 New wildcard round just dropped — how well do you actually know your rates and bonds? 🎲 Think you can outsmart the market? Test your financial IQ and see how you stack up! 💰

07/27/2026

Self-employed? Your mortgage isn’t a lost cause. 🩺

You still have to pass the stress test — 5.25% or your rate +2%, whichever stings more. Lenders will want NOAs, business financials or bank statements. And if your income looks a little shy on paper, stated income options exist, especially with strong credit and a solid down payment.

Write-offs: great for taxes, less great for mortgages. Let’s talk strategy.

07/22/2026

The rich don’t sell. They borrow.

While everyone’s out here paying capital gains tax to access their own money, the wealthy just borrow against their assets and pay it back with… more assets. Zero sale. Zero tax bill. Infinite cash flow. 💸

Buy. Borrow. Die. The strategy banks won’t put on a billboard.