Mortgage Blog
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June 10, 2026 - Bank of Canada maintains the policy rate at 2.25%
June 10, 2026 | Posted by: Gale Tracey
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: Gale Tracey
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 ...
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Buying a Home in 2026? Why More Housing Starts May Not Mean More Choices
May 28, 2026 | Posted by: Gale Tracey
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 ...
read moreMortgage Renewal in 2026: Fixed or Variable?
May 11, 2026 | Posted by: Gale Tracey
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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April 29 - 2026 - Bank of Canada maintains policy rate at 2.25%
April 29, 2026 | Posted by: Roar Solutions
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 ...
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5 Most Important Issues That Can Delay a Mortgage Closing in Canada
April 23, 2026 | Posted by: Gale Tracey
Many Canadian homebuyers feel a sense of relief once they hear the words, 'you are approved.' That relief makes sense, but it can also create a false impression that the mortgage process is complete. ...
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Why Buying Still Feels Hard in 2026, Even as More Homes Are Being Built
April 10, 2026 | Posted by: Gale Tracey
If you have been watching the headlines in 2026, you may be wondering why buying a home in Canada still feels so difficult. On the surface, some of the data sounds encouraging. More homes are being bu ...
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Should You Spend the Full Mortgage Amount You're Approved For?
July 3, 2019 | Posted by: Gale Tracey
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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Take Advantage of Low Interest Rates – Refinance Your Mortgage Today!
June 26, 2019 | Posted by: Gale Tracey
Borrowers are loving the current record low interest rates, and homeowners stand to benefit even more. If you bought your home more than a few years ago, you could probably benefit from a refinance ...
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Strategies to Dig Yourself Out of the Debt Hole
June 19, 2019 | Posted by: Gale Tracey
Debt. It's something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can he ...
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