Guaranti Insights

Perspective, knowledge and practice

From property financing to wealth planning, from a family’s future to what the market is doing — written to be professional and readable, so you can see each significant financial decision clearly.

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Property Financing11 articlesPresale completions, purchase mortgages, refinancing, lender policy and how financing actually works.Browse property financing Wealth Planning15 articlesGrowth, IFA, tax strategy, retirement planning, asset protection.Browse wealth planning Family Wealth Class8 articlesTFSA, FHSA, RRSP, education planning, teaching children about money.Enter the family wealth class Guaranti Perspective45 articlesReal estate, the economy, rates, policy and market observation.Browse Guaranti Perspective Guaranti Briefing8 articlesShort takes on the central bank, rates, housing and policy — one point per clip.Browse Guaranti Briefing Events & Talks6 articlesSeminars, conferences, networking events and community gatherings.See events and talks

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Editor’s picks

Wealth Planning2026-08-05Same retirement income. Very different outcome for the next generation.Two structures, identical retirement income, identical lifestyle. What separated them was whether anything had been planned in advance.Read Guaranti Perspective2026-07-31More than half of new housing is now being built to rentFor the first time in Canadian history, more new housing is being built to rent than to sell. That happened in the data, not the headlines.Read Property Financing2026-05-21Mortgage paid off — and more exposed than beforeClearing the mortgage removes a debt. It also removes a lender who was quietly checking every change to your title.Read

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Family Wealth Class2026-09-17Canada is reconnecting with the world. Should you revisit your asset allocation?As Canada seeks a wider economic network, households may want to revisit the reasons behind their assets, liabilities and cash-flow choices.Guaranti Perspective2026-09-16Rate changes affect more than a mortgage paymentFrom borrowing costs and investment returns to the household balance sheet, interest rates affect far more than a monthly mortgage payment.Guaranti Briefing2026-09-15The Bank of Canada Sets Short-Term Rates—but Fixed Mortgages Follow the Bond MarketA Bank of Canada hold does not necessarily mean fixed mortgage rates will remain unchanged. Variable mortgages primarily follow the policy rate, while fixed mortgages are influenced more by bond yields, U.S. inflation and global rate expectations.Guaranti Perspective2026-09-15The Bank of Canada Holds Rates—What Does It Mean for Your Mortgage?Devinder Dhaliwal shares his perspective on the Bank of Canada’s latest rate decision and the factors borrowers may want to keep in mind when planning their next step. Mortgage choices should be assessed alongside personal cash flow, term preferences and future plans. This video is in English with Chinese and English subtitles.Guaranti Perspective2026-09-11When investing in stocks, protect both your capital and your relationshipsVicky Rong explains why stock investing is not only about potential returns, but also about understanding risk and maintaining clear decision-making boundaries. When discussing investments with friends or family, separating shared information from personal decisions can also help protect relationships. This video is in Mandarin with Simplified Chinese and English subtitles.Wealth Planning2026-09-11Pay down the mortgage early? High-income families may want to run the numbersThere is nothing wrong with paying off a mortgage early. For households with stable income and substantial home equity, the larger question is whether every asset and liability has a clear purpose.

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