I recently renewed my mortgage and I am now saving $300 a month. I had plenty of questions about the recent economy affecting interest rates and whether I am best to go with a Fixed versus a Variable rate. Ernie came to visit and outlined for me all my choices and explained all the risks associated with each choice. No one ever knows for sure what the future will bring, but I am very happy with my new mortgage and with the sevices provided by Ernie Mowat. No pressure, Just common sense.