Rob, you are smart guy. This guy selling FOG to you and everybody else.
You can read this Reddit posts (copy/paste)
 https://goo.gl/4wuu92 
and this one
 https://goo.gl/Ncj7jb 
Canwise Financial is On-line Mortgage Broker Owned by Ratehub and Canwise is always on top of charts and that is why some of the mortgage brokers are actually not allowed to post "too low rates on Ratehub". Globe and Mail Article about that here
 https://goo.gl/NZ3Sfi
Maybe its time to ditch Globe and Mail as news. For now I am blocking part of the G&B reporters, don't be one of them, please.