Helping Canadians to Achieve Financial Freedom
At Kirkwood & Brennan we are dedicated to helping Canadian’s reach financial freedom. On our blog you will learn how to improve your finances, keep your hard earned money for your family, retire earlier and a whole lot more.

How to Cut Your Mortgage Costs and Build Wealth with the Smith Manoeuvre
In the 1980s, Canadian homeowners faced sky-high interest rates, making mortgage payments nearly impossible. Out of this financial crisis emerged the Smith Manoeuvre—an innovative strategy designed to turn mortgage debt


There is Nothing Wrong With Renting
You can build a fulfilling future whether you rent or own, and my goal is to make the decision easier with a tool that offers a clear, financial comparison.


Buying the Right Home – 8 Steps for Purchase Plus Improvements
A purchase plus improvements mortgage can help make this a reality by allowing you to renovate the property into your new home.


What Happens When You Get A Bad Real Estate Appraisal
Getting a bad appraisal on your real estate doesn’t feel great, but there are actions you can take to remedy the situation.


How to Get a Mortgage as a Temporary Contract Employee
Getting a mortgage can be a difficult process at the best of times and even harder as an employee working short term projects. It doesn’t have to be.


What is Reverse Amortization?
Unfortunately, we have been seeing these reverse amortization situations occurring more and more frequently so let’s examine the scenarios where it happens and discuss what can be done about it.