Mortgage Blog
Fall 2025 Canadian Mortgage Trends & Insights Report
November 21, 2025 | Posted by: Jason Woods
Did You Know ? Did you know that despite encouraging signs of stabilization in the Canadian mortgage market this fall, the national household debt-to-income ratio remained at an eye-opening 181.8 % in ...
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Nov. 2025 - How the Bank of Canada Rate Cut Affects Your Refinancing Strategy
November 10, 2025 | Posted by: Jason Woods
On October 29 2025, the Bank of Canada (BoC) reduced its target overnight rate by 25 basis points to 2.25 %. For Canadian homeowners who are thinking about refinancing their mortgage, this move matter ...
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Bank of Canada lowers policy rate to 2.25%
October 29, 2025 | Posted by: Jason Woods
The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. With the effects of US trade actions on econo ...
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Canadian Home Sales Poised for a Strong Finish in 2025
October 20, 2025 | Posted by: Jason Woods
The Canadian housing market is showing signs of renewed strength as we approach the end of 2025. According to the latest report from the Canadian Real Estate Association (CREA), home sales across the ...
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How Falling Rates Open Doors for Gig Workers, Mortgages for Non-Traditional Incomes
October 6, 2025 | Posted by: Jason Woods
After several policy cuts, the Bank of Canada's overnight rate sits at 2.50% as of September 17, 2025, down from 3.00% in January. This easing has lowered borrowing costs and improved affordab ...
read moreSeptember 17-2025 - Bank of Canada lowers policy rate to 2.5%
September 17, 2025 | Posted by: Jason Woods
The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.45%. After remaining resilient to sharply higher ...
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Mortgage Renewal Strategies in a Rising Interest Rate Market: Expert Tips for Ontario Homeowners
September 12, 2025 | Posted by: Matt Shepherd
Are you approaching your mortgage renewal date only to find that interest rates have climbed higher than when you first signed? You're not alone. In Ontario, countless homeowners are grappling with th ...
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How Higher Interest Rates Affect Mortgage Renewals: A Broker's Guide to Saving Money in Burlington and Beyond
September 12, 2025 | Posted by: Matt Shepherd
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CMHC - Monthly Housing Starts - July 2025
September 3, 2025 | Posted by: Jason Woods
Canadian Monthly Housing Starts and Other Construction Data Tables - July 2025 At our mortgage brokerage, we make it a priority to follow the Canada Mortgage and Housing Corporation's (CMHC) monthl ...
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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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