Why would you break your mortgage early? Well, you might sell your home. You may be going through a marital separation. There are many different reasons why somebody might break their mortgage, and in each case, you are going to pay a penalty to a lender. And it's important that you understand how they're calculated.

So you're planning on retiring? Congratulations. This is so exciting for you. If you have a mortgage, you need to talk to a mortgage broker so that we can help to make sure that you set yourself up for success before this happens. There are some important things to keep in mind, that most people don't really think about.

Today we're going to talk about refinances. A refinance mortgage is a new mortgage for you to be able to access equity from your property. To use funds for truly anything that you want. The most common reason for clients to refinance their mortgage is to pay out high interest debt and do renovations to their property.

Today we are talking about mortgage renewals. So your mortgage is up for renewal. What do you do?

This is really important. You're going to get a letter in the mail from your current lender. I urge you, do not sign anything until you've talked to a mortgage professional.