There’s no shortage of mortgage advice out there. From online forums to coffee shop conversations, everyone seems to have an opinion. Some of it’s helpful. A lot of it? Not so much. The truth is, the mortgage world has changed—especially in Canada. Rules, products, and opportunities evolve, but a lot of the advice being passed […]

Canada’s big banks are divided on how much further the Bank of Canada will cut, with RBC now saying the rate has likely bottomed, while others still expect more easing ahead. The outlook for interest rates is becoming less clear-cut as Canada’s major banks rethink how far the Bank of Canada will go in its […]

Are You Betting on Stability or Flexibility? In 2025, choosing between a fixed or variable mortgage isn’t just about preference—it’s about risk, timing, and how much uncertainty you can stomach. After two years of wild rate swings, inflation surprises, and mixed signals from the Bank of Canada, borrowers are stepping into a murkier landscape. The […]

Let’s be real. You’ve probably told yourself some version of this: “The market feels risky right now. I’ll wait until things settle.” “Rates are too high. I’ll jump in when they drop.” “Prices are up. I missed the window—maybe next year.” The problem? That window you’re waiting for—where everything is calm, cheap, and certain—doesn’t exist. It’s a […]

“Spring has a way of bringing everything back to life, even a broken heart—or a dated, messy house.” ~ Willie Nelson (roughly interpreted) Spring is typically a busy season for the housing market in Canada. Whether you’re looking to sell or help your home bloom where it’s planted, these value-add ideas will be worth putting […]

You’ve got two choices: Save for years to hit 20% down. Buy with 5% down and get in the market now. Both come with baggage. One delays your wealth. The other costs more to build it. If you’re staring down today’s home prices thinking “I’ll never save enough”—you’re not alone. But before you jump into a […]

As expected, the Bank of Canada held its benchmark interest rate unchanged at 2.75% at today’s meeting, the second consecutive rate hold since the Bank cut overnight rates seven times in the past year. The governing council noted that the unpredictability of the magnitude and duration of tariffs posed downside risks to growth and lifted […]

Finding your dream home can seem like a daunting task. But don’t despair! Here are five actionable steps to set you up for success. Start with the Practicalities: First, figure out your finances. How much have you got saved for a downpayment, how much can you afford on a monthly basis, and what will you be […]

Prime Minister says move will save Canadians up to $50,000 and boost housing supply amid affordability crisis z Prime Minister Mark Carney is promising relief for first-time homebuyers by eliminating the GST on homes priced at $1 million or less. The new measure, unveiled in Edmonton just days before the expected launch of the federal […]

Buying your first home is a significant milestone! While you’re thinking about your affordability and what type of home you want to own, we have some exciting updates around first-time homebuyer benefits: New or Pre-Construction Homes: Did you know? First-time buyers looking to purchase a new build or pre-construction home are eligible for 30-year amortization. This […]