Mortgage Blog
Case Studies: How a Mortgage Broker Outperformed Banks in Real Mortgage Renewal Scenarios
August 19, 2025 | Posted by: Matt Shepherd
Imagine receiving your mortgage renewal notice and realizing you could save thousands by switching lenders – but your bank doesn't tell you that. This is a common reality for Ontario homeowners, ...
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Mortgage Broker vs Bank: Why Renewing Your Mortgage with a Broker Wins Every Time in Ontario
August 19, 2025 | Posted by: Matt Shepherd
Renewing your mortgage is one of those pivotal financial moments that can either lock in savings or lead to unnecessary costs. Have you ever wondered if sticking with your bank is truly the best choic ...
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With Inflation at 1.7%, What This Means for Canadians Considering a Home Purchase or Mortgage Refinance
August 19, 2025 | Posted by: Jason Woods
Did You Know? Did you know that Canada's latest inflation figure has cooled to 1.7% according to Statistics Canada? For everyday Canadians, this is more than a headline. It can point to lower bor ...
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Is the Mortgage Stress Test on the Way Out?
August 7, 2025 | Posted by: Jason Woods
Is the Mortgage Stress Test on the Way Out? How OSFI's New Loan-to-Income Rules Could Reshape Borrowing in 2025-26 Canadian borrowers have spent the past seven years living with the mortgage "s ...
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Bank of Canada holds policy rate at 2.75%
July 30, 2025 | Posted by: Jason Woods
The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. While some elements of US trade policy have started to become m ...
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Mortgage Payments Ease, Renewal Stress Grows in Canada
July 16, 2025 | Posted by: Jason Woods
Mortgage Payments Are Easing Yet Renewal Stress Is Real It feels like a collective exhale. After two grueling years of rapid interest‑rate hikes, the Bank of Canada has paused an ...
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How Ontario’s Bill 17 Makes Summer the Best Time to Secure Your Burlington Mortgage
July 11, 2025 | Posted by: Matt Shepherd
Ontario’s Protect Ontario by Building Faster and Smarter Act (Bill 17) received Royal Assent in early June 2025, triggering faster housing approvals and breaking ground on new development proj ...
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Double-Barrel Down Payments: FHSA + New $60k HBP Withdrawal Rules Explained
July 9, 2025 | Posted by: Jason Woods
Scraping together a competitive down payment in 2025 often feels like a marathon. But two revamped federal programs-the First Home Savings Account (FHSA) and the beefed-up Home Buyers' Plan ...
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Bank of Canada June Rate Hold: Mortgage Strategy 2025
June 23, 2025 | Posted by: Jason Woods
Why the June Rate Hold Matters On June 4 2025, the Bank of Canada (BoC) left its overnight rate unchanged at 2.75 % for the fourth meeting in a row (Source: Bank of Canada press release, June 4 202 ...
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Why the Bank of Canada’s Rate Pause Isn’t a Green Light for Cheap Mortgages
June 8, 2025 | Posted by: Jason Woods
If you've been waiting for interest rates to drop before locking in a mortgage, you're not alone. On June 5, 2025, the Bank of Canada (BoC) decided to hold its overnight lending rate at 4.75%, marking ...
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