The Canadian Mortgage and Debt Playbook

In production

What this is

The two decisions that move more money than every bank bonus combined: what you do at mortgage renewal, and which debt you kill first. Both are arithmetic, and both are usually done wrong.

What will be inside

This is the table of contents as commissioned. It is written here before the file exists so you can see exactly what is being promised, and hold us to it.

Renewal: why the offer in the letter is rarely the best rate the same lender will give you
Fixed against variable, framed as the risk question it is rather than a prediction
The stress test on a switch, and when it stops you from leaving
Penalty maths: interest rate differential against three months interest, worked through
Amortisation, prepayment privileges, and what an extra payment a year really saves
Avalanche against snowball, with the real dollar difference on a real debt mix
Consolidation: when it genuinely helps and the three situations where it makes things worse
A renewal countdown checklist, starting six months out

Who it is for

Homeowners inside two years of renewal, and anyone carrying more than one balance.

Who it is not for

This is not personalised advice. It is the arithmetic and the questions to ask, so you walk into the conversation informed.

Read some of it first

There is no sample extract posted yet, so instead of pretending otherwise, here is Bremo writing on exactly this subject, free and complete. Judge the writing before you spend anything.