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Bond Yields Continue to Rise Keeping Fixed Mortgage Rates Under Pressure
On September 2nd, the Bank of Canada left its overnight rate unchanged. Many believe this means that fixed mortgage rates will also remain stable. But this is not accurate. Bond [...]
Bank of Canada Holds Rate… But Fixed Rates May Rise
The Bank of Canada just hit pause again, holding its rate for the seventh consecutive time. The overnight rate remains at 2.25%, which is what mortgage lenders use to set [...]
Will the Latest Canada-U.S. Tariff War Push Mortgage Rates Higher or Lower?
A fresh round of Canada-U.S. tariffs has put mortgage rate watchers on alert. After negotiations broke down over the weekend, approximately $20 billion of Canadian exports to the United States [...]
Canadian Mortgage Rate Forecast: What to Expect by Year-End 2026
Some Canadians are hoping for another Bank of Canada rate cut before the end of 2026, but this is something the current forecasts do not support. But that does not [...]
Bridge Financing: How to Buy Your Next Home Before Selling
You have an accepted offer to purchase a new home... but there’s just one problem: your down payment is coming from the sale of your current home, which closes at [...]
Qualifying for a Mortgage When You’re Self-Employed
Being an entrepreneur takes serious drive and dedication. You take the risks, you put in the long hours, and you build something from the ground up. But when it comes [...]
Will Trump’s Latest Tariff Threats Lead to Lower Mortgage Rates?
It should come as no surprise that Trump is now threatening a new wave of tariffs on Canada. I still scratch my head, wondering if Trump actually understands that tariffs [...]
Hunting for Cheap Mortgage Rates? 7 Mistakes You’re Probably Making Right Now
Everyone loves a bargain... whether it’s a half-price designer coat or a loyalty-point haul at the grocery store, that dopamine hit of "saving money" is real. But when it comes [...]
Bank of Canada Holds Rates Steady: What the July 2026 Announcement Means for Your Mortgage
Another scheduled announcement, another hold. This morning, the Bank of Canada confirmed what many were expecting: the policy interest rate isn’t going anywhere just yet. Today, Wednesday, July 15, 2026, [...]
How to Choose the Best Mortgage Renewal Strategy for 2026
If you took a 5-year fixed mortgage back in 2021, you probably felt like you’d won the lottery when you locked in a mortgage rate somewhere between 1.29% and 1.79%. [...]
How the Ceasefire is Influencing Canadian Mortgage Rates
After months of tension that kept the global economy on a knife’s edge, a preliminary ceasefire agreement between the US and Iran was announced in mid-June 2026. While this is [...]
5 Year Mortgage Rates as Low as 3.25%
Over the weekend, the world collectively exhaled as the headlines flashed: the US and Iran have finally come to an agreement. The markets reacted instantly, with Government of Canada bond [...]
BoC Rate Announcement – What to Expect Next
The Bank of Canada just wrapped up its June 10th meeting, and for the fifth consecutive time, the policy rate is staying exactly where it was: at 2.25%. This means [...]
Canada’s Recession is Official: What it Means for Your Mortgage Rate
The news is out, and it’s finally official. According to the Statistics Canada report released on May 29th, the Canadian GDP declined by 0.10% in the first quarter of 2026. [...]
Top 5 Renewal Mistakes Homeowners Make (And How to Avoid Them)
Living in Canada isn’t exactly getting any cheaper. Between the price of a decent latte and the ever-fluctuating real estate market, your mortgage is likely the biggest line item in [...]
HELOC vs. Refinance: Which is Better for Accessing Your Home Equity?
Thinking about tapping into your home equity but unsure on the best strategy? You aren’t alone. Choosing the right way to access the cash hidden within the walls of your home [...]
How to Choose Between a Fixed vs. Variable in 2026
It’s May 2026, and if you feel like the world is spinning a little faster than usual, you’re not alone. Between the daily headlines about new tariffs coming out of [...]
My Take on Today’s Bank of Canada Rate Decision
Well, they did it. Or more accurately, they didn’t do much of anything. The latest Bank of Canada rate decision was released on Wednesday, April 29th that they are holding [...]
Fixed Mortgage Rate Relief: Is the Tide Finally Turning?
If you’ve been keeping even half an eye on the news lately, you know it’s been a bit of a rollercoaster. Between global tensions and the constant "will-they-won't-they" with interest [...]
Good News on the State of the 2026 Condo Market?
Do you remember February 2022? Back then, the condo market felt like a contact sport. Listings disappeared overnight, buyers were stretching hard, and everyone seemed convinced prices would continue to [...]
Ceasefire in the Strait: Is Your Mortgage Rate Finally Heading Down?
If you checked the news late last night and thought, "Okay... does this finally mean mortgage rates are about to calm down?" Fair question. Late on April 7, the U.S. [...]
Fixed Mortgage Rates Climb Higher… But Have They Reached Their Peak?
The mortgage market is getting a bit spicy, with continuous upward pressure on fixed mortgage rates over the last month. After a brief period where it felt like we might [...]
Housing Market Deep Dive: Comparing the 2022 Peak to Today’s 2026 Market
Do you remember February 2022? If you were anywhere near the GTA real estate market back then, it probably feels like a fever dream. Open houses had lineups, “no condition” [...]
The Bank of Canada’s Latest Waiting Game…
Here we are again, another Bank of Canada announcement, another day of holding our collective breath, and another day of... well... exactly what everyone expected. On Wednesday, March 18th, 2026. [...]
Mortgage Rates Increasing Despite a Cooling Economy
In last week’s blog, I warned that the crisis in Iran could push fixed rates higher... this week, it’s happening. On paper, the economy is doing the thing that normally brings rates down... not [...]