TWIRE S25 E48: Putting 20% Down Might Be Costing You More Than You Think

Many buyers believe putting 20% down is always the smartest move — but that may no longer be true. In this episode, Rob Golfi sits down with mortgage expert Brian Hogben from Mission 35 Mortgages to break down the real math behind CMHC insurance, insured vs uninsured rates, and why some buyers are actually better off putting less down. They also discuss 30-year amortizations, payment strategies, and how keeping cash on hand can make homeownership far less stressful in today’s market.