Mortgage Blog

First-Time Buyer GST/HST Rebate, What It Means for New Home Affordability in Canada

June 4, 2026 | Posted by: Chris Carvalho

Buying a first home in Canada has not been easy. Between higher home prices, changing mortgage rates, stricter qualification standards, and the rising cost of everyday life, many first-time buyers hav ...

Buying a Home in 2026? Why More Housing Starts May Not Mean More Choices

May 28, 2026 | Posted by: Chris Carvalho

More homes being built in Canada should be encouraging news for homebuyers. More supply can support a healthier housing market over time and may gradually create more opportunities for Canadians w ...

Mortgage Renewal in 2026: Fixed or Variable?

May 11, 2026 | Posted by: Chris Carvalho

If your mortgage is coming up for renewal in 2026, you are probably asking one very practical question: should I choose a fixed rate or a variable rate? It is a fair question. After several yea ...

April 29 - 2026 - Bank of Canada maintains policy rate at 2.25%

April 29, 2026 | Posted by: Chris Carvalho

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The evolving conflict in the Middle East is causing heightened vola ...

Home Selling Season is Around the Corner: Tips to Get Ready

April 22, 2026 | Posted by: Chris Carvalho

Home selling season is rapidly approaching. In most cases, spring is the top time to sell a home. One reason spring is the top-selling season is that home buyers align their moving schedule with their ...

Should You Pay Off Your Mortgage Early?

April 8, 2026 | Posted by: Chris Carvalho

It's a dream to be able to pay off your mortgage early, but is there a downside? While it sounds like a great idea, there are some factors to consider before doing so. This article will ex ...

Real Estate 101: Essential Tips for First-Time Home Buyers

April 1, 2026 | Posted by: Chris Carvalho

Buying a home is always a big decision, but when you're a first-time buyer it's even more important to get it right. Without home-buying experience to draw on, it's easy to make mistakes you could reg ...

10 Essential Tips for Taking Out Your First Mortgage

March 25, 2026 | Posted by: Chris Carvalho

Taking out your first mortgage presents a major financial commitment, possibly the biggest one you'll ever make, so it's crucial that you get the best deal available. Getting a mortgage is often not a ...

Should You Refinance Your Mortgage?

March 18, 2026 | Posted by: Chris Carvalho

There are a multitude of reasons why a homeowner may be considering refinancing their mortgage. However, before any final decisions are made it is always a good idea to consider carefully whether refi ...

Should You Spend the Full Mortgage Amount You're Approved For?

March 11, 2026 | Posted by: Chris Carvalho

Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for may not ...

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