Top Home Upgrades to Boost Your Property’s Value

General Cedric Pelletier 18 Jun

“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 […]

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Buying with 5% Down: What You Gain

General Cedric Pelletier 16 Jun

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 […]

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Bank of Canada Holds Rates Steady for the Second Consecutive Meeting–But Two More Rate Cuts Are Likely This Year

General Cedric Pelletier 4 Jun

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 […]

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House Hunting Done Right: 5 Steps to Find Your Dream Home

General Cedric Pelletier 3 Jun

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 […]

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GST cut for first-time buyers of homes under $1M

General Cedric Pelletier 30 May

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 […]

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First-Time Homebuyer Benefits.

General Cedric Pelletier 26 May

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 […]

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Six Home Upgrades That Will Make Spring Even Better.

General Cedric Pelletier 23 May

As the days get longer and your flowers begin to bloom, there’s no better time to transform your house into your dream home. If you want to unlock your home’s full potential, here are six renovations that can boost both your lifestyle and property value. Kitchen Transformation Imagine having a kitchen that not only looks […]

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Today’s Inflation Report Poses a Conundrum for the Bank of Canada

General Cedric Pelletier 20 May

The headline inflation report for April showed a marked slowdown in the Consumer Price Index (CPI), which rose a mere 1.7% year over year (y/y), down sharply from the 2.3% rise in March. The slowdown in April was driven by lower energy prices, which fell 12.7% following a 0.3% decline in March. Excluding energy, the CPI rose 2.9% in April, following […]

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Understanding Mortgage Penalties

General Cedric Pelletier 15 May

Many homeowners—especially those without a mortgage broker—don’t fully understand mortgage penalties. And I get it! Financing a home can be overwhelming. But if you’re considering refinancing, selling, making a lump sum payment, or need a way out, read this first. The most common mortgage penalty my clients encounter is a prepayment penalty. Did you know? […]

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Liberal election win: What it means for Canada’s policies and economy

General Cedric Pelletier 2 May

The Liberals, under the new leadership of Mark Carney, have secured a fourth consecutive term in office following Monday’s federal election, forming another minority government. With 168 seats—just shy of the 172 needed for a majority—the party will once again rely on support from the NDP or Bloc Québécois to advance its agenda. While the […]

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