Whether you’re buying your first home, taking out a new mortgage, or preparing for an upcoming mortgage renewal, understanding how mortgages work in Canada is essential.

In this episode, Sybil Verch is joined by Kendall Gross, President of Island Savings, for an informative and practical conversation about what Canadians should know at every stage of their mortgage journey. From first‑time homebuyers entering the market, to homeowners navigating mortgage renewals, to those considering a new mortgage, this episode breaks down the key decisions that matter most.

Sybil and Kendall discuss:

• How Canadian mortgages work from application to renewal
• What first‑time homebuyers should know before getting a mortgage
• Key considerations when choosing between fixed and variable rates
• What to expect when renewing a mortgage in Canada
• The pros and cons of renewing with your current lender vs. switching lenders
• Common mortgage mistakes Canadians make—and how to avoid them

With expert insight and plain‑language explanations, this episode helps listeners feel confident making informed choices around new mortgages, mortgage renewals, and long‑term home financing.

If you’re a Canadian homeowner—or planning to become one—this is a must‑listen conversation to help you navigate today’s mortgage landscape with clarity and confidence.