M. Deren Hasip, Mortgage Broker, Founder

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Canada
Toronto, ON
M. Deren Hasip, Mortgage Broker, Founder

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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.

10/26/2026

A lot of uncertainty, but my position has not changed. I have held that the Bank of Canada hikes this Wednesday. Markets now price a 91% chance. Variable rate holders, link in bio to talk options before Wednesday.

What are your thoughts on this week's decision?

10/09/2026

**Your bank sells mortgages. An independent broker sells advice.** 🏡

And that distinction can make all the difference.

I recently sat down with Caleb Pedosiuk for his *Founder Talk* series to discuss my journey from institutional banking to building Mortgage Scout, and why I believe independent mortgage advice is so important.

Having spent decades on both sides of the industry, one thing has become clear: the best mortgage solution isn't always about finding the lowest rate. It's about understanding the client's needs and exploring the options available across the lending market.

At Mortgage Scout, we've built our business around a simple philosophy: advice first, products second.

We also chatted about how we're putting that philosophy into practice, from helping clients navigate different life stages to creating tools that make mortgage decisions easier to understand.

A big thank you to Caleb for the great conversation and the opportunity to share our story! 🙌

🎥 Check out the full interview on YouTube:
https://www.youtube.com/watch?v=r0FsWRX-tc4

📞 When in doubt, call Mortgage Scout!

09/30/2026

Great experience taking the stage at MortgageFest last week to talk about a topic I’m passionate about: reverse mortgages and better serving Canada’s aging population. 🏡🎤

It was great to see a full room and an engaged audience, but the conversations that continued afterward were the real highlight.

They reinforced just how important education is, not only for consumers, but for our industry as well. As mortgage professionals, the more we understand the options available to older Canadians, the better equipped we are to have meaningful conversations and help them make informed decisions about their home equity and financial future.

Thank you to everyone who attended, asked questions, and connected with me afterward. There’s a lot more education and conversation still to come!

09/17/2026

🏡 Demystifying reverse mortgages, one conversation at a time!

Great day exhibiting at the Ontario Society of Senior Citizens Organizations, answering questions, clearing up misconceptions and helping Canadians better understand their options in retirement.

Education first. Better decisions follow. 🙌

📞 When in doubt, call Mortgage Scout!

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! 🏡🔍

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 👀

Address

1796 Bloor Street West
Toronto, ON
M6P3K5

Telephone

+14165287878

Website

http://www.derenhasip.com/

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