Mortgage Blogs
Stay up to date with the recent industry news and mortgage trends.
How Bond Yields and Bank of Canada Policy Rates Drive Mortgage Rates
How Bond Yields and Bank of Canada Policy Rates Drive Mortgage Rates: What to Expect Through 2026 ...more
Broker Blogs
September 16, 2025•5 min read
The End of Ultra-Low Mortgage Rates in Canada
Remember those record-low mortgage rates in 2020 and 2021? Some of us locked in 5-year fixed terms under 2%. But if you’ve been waiting for those deals to come back, it might be time to adjust expecta... ...more
Broker Blogs
September 05, 2025•2 min read
Parents Can’t Gift You a Down Payment? Here’s Another Option
When most people think of getting help from family for a down payment, they picture a non-repayable gift from parents. While that’s ideal for some, it’s simply not possible for every family. Maybe you... ...more
Broker Blogs
August 20, 2025•3 min read
Do You Always Need a Home Appraisal? Not Quite.
Buying a home or refinancing your mortgage? You might be wondering if a home appraisal is something you’ll need to worry about. The answer: not always. Appraisal requirements vary depending on how muc... ...more
Broker Blogs
August 01, 2025•3 min read
5 Questions to Ask Before You Sign a Mortgage
Shopping for your first mortgage can feel like a big step, but it doesn’t have to be confusing. As someone who’s helped many young Canadians navigate their first home purchase, I’ve found that asking ... ...more
Broker Blogs
July 07, 2025•3 min read
Can You Switch from Fixed to Variable—or Variable to Fixed?
Many homeowners choose either a fixed or variable rate when they first get their mortgage—but what if your needs or the market change partway through? Can you switch from a fixed rate to a variable on... ...more
Broker Blogs
June 16, 2025•5 min read
Rethinking Retirement: Why Your Home Can Be a Financial Asset, Not Just a Place to Live
Most of us were raised with the idea that being mortgage-free was the ultimate goal by retirement. And while there’s nothing wrong with financial freedom, it's worth asking: what if keeping (or even a... ...more
Broker Blogs
June 01, 2025•4 min read
Is Your Mortgage Pre-Approval Actually Useless? Here’s Why It Might Be
Getting pre-approved for a mortgage should feel like progress. It’s exciting, empowering, and often the first concrete step toward buying a home. But here’s the hard truth: if your mortgage pre-approv... ...more
Broker Blogs
May 15, 2025•3 min read
Are Variable Rates Still Worth It in 2025? It Depends
The fixed vs. variable debate is heating up again in 2025—and for good reason. Borrowers across Canada are asking: should I lock in a fixed rate for stability, or ride the wave with a variable rate th... ...more
Broker Blogs
May 05, 2025•3 min read
You Missed the Best Time to Buy—Now What?
Now, home prices are higher, rates have fluctuated, and some buyers are still waiting. But here’s the truth: there is no perfect time to buy—only the right time for you. ...more
Broker Blogs
March 08, 2025•2 min read
Lower Rate with Higher Penalty OR Higher Rate with Lower Penalty?
When choosing a mortgage, many borrowers focus on getting the lowest interest rate. But what happens if life throws a curveball and you need to break your mortgage early? The penalty for breaking a mo... ...more
Broker Blogs
February 19, 2025•3 min read
Financial Freedom: How The Rich Get Richer
Explore the strategies and insights behind the wealth accumulation of the affluent, uncovering the secrets of how the rich continually grow their fortunes. ...more
Broker Blogs
June 11, 2024•4 min read
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