Mortgage Blog
Getting you the mortgage you deserve
Category: Mortgage (12 posts)
Mortgage Renewal 2026: Lock In Now or Wait?
October 19, 2026 | Posted by: Chris Carvalho
If your mortgage is coming up for renewal this fall, you may be asking a familiar question: should you accept a rate now, or wait to see what the Bank of Canada does next? The next scheduled announcem ...
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Mortgage Renewal 2026: What a Rate Hold Means for You
October 7, 2026 | Posted by: Chris Carvalho
Renewing Your Mortgage This Fall? What a Bank of Canada Rate Hold Means for You Your mortgage renewal arrives, and the payment is higher than you expected. Yet the latest headline says the Bank ...
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Has Your Income Changed? What to Check Before Refinancing Your Mortgage
September 14, 2026 | Posted by: Chris Carvalho
Your hours have been reduced. You have started a new job. Or your household is managing on one income while you work out what comes next. If you own a home, refinancing may seem like a practical way t ...
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Sept 2-2026 - Bank of Canada maintains the policy rate at 2.25%
September 2, 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 continuing conflict in the Middle East is keeping ...
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Canada Is Building More Homes, Why Is Buying Still Hard?
August 5, 2026 | Posted by: Chris Carvalho
You may have seen headlines suggesting that Canada is building more housing. That sounds like good news for homebuyers, and in many ways it is. More homes are essential to improving housing choice ...
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Should Canadian Homebuyers Purchase Now or Wait for More Housing Supply?
July 24, 2026 | Posted by: Chris Carvalho
Canadian homebuyers are hearing two different messages. One suggests that more homes are being built and buyers should wait for additional supply. The other warns that slower construction could limit ...
read moreJuly 15-2026 - Bank of Canada maintains the policy rate at 2.25%
July 15, 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%. Canada's economy is showing signs of improvement. Gro ...
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2026 First-Time Buyer Mortgage Rules, What Lower Payments Could Really Mean
July 7, 2026 | Posted by: Chris Carvalho
Buying a first home in Canada is still a major financial decision. Higher home prices, mortgage qualification rules, down payment requirements, closing costs, and day-to-day affordability all matter. ...
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Renewing Soon? Why Sticky Inflation Could Affect Your Mortgage Strategy This Summer
June 22, 2026 | Posted by: Chris Carvalho
If your mortgage is coming up for renewal this year, you may be watching interest rate news more closely than usual. That makes sense. A renewal is not just paperwork from your lender, it is a cha ...
read moreJune 10, 2026 - Bank of Canada maintains the policy rate at 2.25%
June 10, 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 conflict in the Middle East is now in its fourth ...
read moreFirst-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 ...
read moreMortgage 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 ...
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