Refinancing your mortgage can be a smart financial move for many reasons, and as your trusted mortgage advisor, I’ve seen how much it can benefit homeowners! Ideally, refinancing is done at the end of your mortgage term to avoid penalties, but the timing can vary depending on your goals. For some, it’s about unlocking the […]

Weak Canadian Job Creation Is The First Fallout From The Trade War Today’s Labour Force Survey for March was weaker than expected. Employment decreased by 33,000 (-0.2%) in March, the first decrease since January 2022. The decline in March followed little change in February and three consecutive months of growth in November, December and January, totalling 211,000 (+1.0%). The employment rate—the […]

  If you want to maximize returns on your gardening efforts, we’ve got 3 strategies to take you from garden simp to master plant manipulator. Strategy 1: Better late than early Seeds do best when they have an uninterrupted growth phase. So rather than having your plants stall out in a frost, wait 2 weeks (you […]

While most of Canada’s Big 6 banks expect the Bank of Canada to deliver at least one more interest rate cut this year, Scotiabank is standing firm in its view that the central bank is already done. While most of Canada’s Big 6 banks expect at least one more rate cut from the Bank of […]

The Bank of Canada lowers its benchmark interest rate to 2.75% In the face of significant geopolitical tensions, the Bank of Canada announced today that it has lowered its policy interest rate by 25 basis points. This marks the seventh reduction since June of 2024. Below, we summarize the Bank’s commentary. Canadian Economic Performance and […]

Trump has imposed tariffs of 25% on goods coming from Mexico and Canada, 10% on Canadian energy, and an additional  10% on goods from China. He justified these actions by claiming they would force Mexico and Canada to address issues related to undocumented migration and drug trafficking. However, while precursor chemicals for fentanyl come from […]

Spring is one of the busiest seasons in the real estate market, with buyers eager to find their dream home before summer. If you’re planning to purchase a home in Spring 2025, now is the time to get your finances in order. Being financially prepared can help you secure a mortgage with favorable terms and […]

Global Tariff Uncertainty Is Not Good For the Canadian Housing Market Canadian MLS® Systems posted a double-digit jump in new supply in January 2025 when compared to December 2024. At the same time, sales activity fell off at the end of the month, likely reflecting uncertainty over the potential for a trade war with the […]