M. Deren Hasip, Mortgage Broker, Founder

M. Deren Hasip, Mortgage Broker, Founder Award winning mortgage broker servicing consumers in Ontario and BC.

An established industry veteran with over 25 years of financial services industry experience, Deren is an award-winning mortgage professional who's been helping customers achieve financial independence for over a quarter century.

Proud to have recently earned my Certified Canadian Reverse Mortgage Consultant (CCRMC) certification! 🎓🏡Continuing educ...
09/08/2026

Proud to have recently earned my Certified Canadian Reverse Mortgage Consultant (CCRMC) certification! 🎓🏡

Continuing education is an important part of being a mortgage professional, especially as products, regulations, and client needs continue to evolve.

When it comes to reverse mortgages, education is especially important. Canadians deserve to understand their options, the benefits, the considerations, and how each solution fits into their bigger financial picture.

For me, this certification is about more than another credential. It’s about continuing to learn so I can better educate and serve my clients.

Always learning. Always improving.

09/02/2026

🏦 Bank of Canada Holds at 2.25%

No change from the Bank of Canada today, but that doesn’t mean mortgage rates aren’t moving.

With inflation around 3%, continued trade uncertainty with the U.S., and an economy showing some resilience, the Bank is staying on the sidelines for now.

What does it mean for your mortgage?

➡️ Variable rates: Prime remains at 4.45%, so no change today.

➡️ Fixed rates: Bond yields have been trending higher, putting upward pressure on fixed mortgage rates.

The big takeaway: A Bank of Canada hold does NOT mean all mortgage rates are holding.

We’ll continue watching inflation, the trade war, and bond yields to see where rates go next.

📞 When in doubt, call Mortgage Scout!

08/17/2026

💬 Every mortgage situation is different, and sometimes finding the right solution means looking beyond the obvious.

Thank you, Oscar, for trusting Mortgage Scout to navigate your unique situation. We’re glad we could explore the different scenarios, find the right financing solution, and help you secure a great deal.

Being attentive, adaptable, and committed to finding solutions for our clients is what we’re all about.

Thank you for the recommendation, Oscar! 🏡

When in doubt, call Mortgage Scout!

07/20/2026

✨ There’s no greater compliment than earning a client’s trust for years to come.

Thank you, Ema, for your heartfelt words and for trusting Mortgage Scout with your home financing journey. From finding the right mortgage solution to navigating every lender requirement, our goal is always to make the process as smooth and stress-free as possible.

A special thank you for recognizing Dina's hard work and dedication. Our team takes great pride in going the extra mile to advocate for our clients and deliver results.

We're honoured to have been part of your journey and look forward to helping you with all of your future financing needs.

When in doubt, call Mortgage Scout! 🏡🔍

Bank of Canada keeps rates on hold at 2.25% 🏦That's 6 hikes... nope, make that 6 holds in a row. No surprises here, this...
07/15/2026

Bank of Canada keeps rates on hold at 2.25% 🏦

That's 6 hikes... nope, make that 6 holds in a row. No surprises here, this was the expected move.

The situation: inflation crept up to 3.2% in May (thanks, oil prices), but the economy is actually holding up better than a lot of people thought. Growth is up, jobs are steady.

So the Bank is playing it cool. Not cutting, not hiking, just watching how things shake out with energy prices and global uncertainty.

What this means for you: variable mortgage rates and lines of credit stay put for now. 💸

Bottom line: steady as she goes, for now. 👀

07/14/2026

USMCA didn't die on July 1. Here's what actually happened 👇

Every 6 years, the US, Canada, and Mexico have to review this trade deal. The big question on July 1st: would they lock it in for another 16 years?

The US said no...not in its current form.

Cue the headlines saying the deal is dead. It's not.

The agreement runs until 2036 no matter what... tariffs, trade rules, everything stays active right now. What changed is the process: instead of locking in another 16 years, the three countries now check in every single year until they agree to extend it or it actually expires in 2036.

Think of it less like a breakup, more like they didn't renew the lease early. Still living in the house. Just negotiating month to month instead of signing another decade upfront.

Next round of talks: July 20th in Mexico City. Following this one closely 👀

06/21/2026

Happy Father's Day to all the dads, grandfathers, stepdads, and father figures who work tirelessly to build strong foundations for their families. 💙🏡

Whether you're teaching life's lessons, cheering from the sidelines, or helping create a place to call home, today we celebrate everything you do and the lasting impact you make every day.

From all of us at Mortgage Scout, we wish you a day filled with love, appreciation, and time spent with those who matter most.

Happy Father's Day! 👔🍁

📞 When in doubt, call Mortgage Scout!

🚨 The Bank of Canada just held rates at 2.25%, leaving the prime lending rate at 4.45%.So... why aren't rates coming dow...
06/10/2026

🚨 The Bank of Canada just held rates at 2.25%, leaving the prime lending rate at 4.45%.

So... why aren't rates coming down if the economy is slowing?

The answer may be sitting at your local gas station. ⛽

Inflation jumped back up to 2.4%, driven largely by a massive spike in energy prices. Gas prices surged more than 20% in a single month, creating fresh concerns that inflation could stick around longer than expected.

At the same time:

📈 Inflation is moving higher
📉 Consumer spending is slowing
🌎 Global uncertainty remains elevated
🏦 The Bank of Canada is stuck between supporting growth and fighting inflation

For now, they've chosen to wait.

What does that mean for Canadians?

✅ Variable-rate borrowers avoid another increase
✅ Borrowing costs remain stable for now
⚠️ Fixed rates are still being influenced by bond markets and global economic conditions

The real question isn't what happened today.

It's what happens next.

If inflation cools and economic growth weakens, rate cuts could return to the conversation. If energy prices remain elevated, the Bank may stay on the sidelines longer than many borrowers hoped.

What do you think the Bank's next move will be? 👇

CostOfLiving FinanceTok MortgageBroker RealEstateCanada MoneyMatters

Honoured to represent the at Queen's Park alongside some incredible industry leaders to meet with and advocate for pos...
05/11/2026

Honoured to represent the at Queen's Park alongside some incredible industry leaders to meet with and advocate for positive change in housing and homeownership across Ontario 🇨🇦

Important conversations around affordability, accessibility, and the future of housing are happening, and I’m grateful to help bring real industry insight to the table.

OntarioHousing RealEstateCanada MortgageIndustry QueensPark HousingAffordability CanadianRealEstate

04/24/2026

Toronto's condo market just hit a 35-year low. 📉

And it might be the best buying setup we see this decade.

Here's what Q1 2026 actually looked like:

🔻 Only 246 new condos sold across the GTHA
🔻 Zero new project launches (first time in 30+ years)
🔻 4,295 finished units sitting empty
🔻 Prices down 13% from peak

Scary headlines. But watch what happens next 👇

New condo completions are about to fall off a cliff:
2026: ~21,850 units
2027: 14,659
2028: 13,039
2029: just 2,029

That's a 93% drop in new supply in 4 years. Already baked in. You can't build what was never launched.

Now add the full HST rebate on new builds 👉 roughly $100K off the average unit.

Translation: peak pessimism + better affordability + a supply pipeline running dry = the setup for a market turn.

Prices won't snap back overnight. But the window between "everyone's scared" and "everyone's bidding again" is where the smartest moves get made. 🎯

Today's oversupply is tomorrow's undersupply.

Save this post 📌 and send it to someone who keeps saying "I'll wait."

💬 Is the market closer to a bottom than the headlines admit? Drop your take below.

FirstTimeHomeBuyer TorontoMortgage MortgageBroker GTAHousing RealEstateInvesting TorontoLife CanadianRealEstate

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1796 Bloor Street West
Toronto, ON
M6P3K5

Telephone

+14165287878

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