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With real estate prices as high as they are, qualifying for the required mortgage can be challenging for many people. One advantage to using a mortgage broker is that we [...]

There are many things to consider when choosing between a fixed or variable rate mortgage. As of recently, you can add the mortgage amount you qualify for to that list. [...]

The Bank of Canada has hiked their key policy rate by 0.75% since March 2nd, which resulted in immediate rate increases for anyone currently in, or considering a variable rate [...]

One of the most common mortgage questions is whether to go with a fixed or a variable rate. Some mortgage professionals will advise to always go variable, however, this is [...]

Whenever there is talk about the Bank of Canada increasing rates, many start to wonder if they should convert their variable rate mortgage into a fixed. Some will automatically fear [...]

The Bank of Canada announced this morning that they are increasing their key policy rate by 0.50% which will bring it to 1.00%. This is the rate that mortgage lenders [...]

The next rate announcement from the Bank of Canada is scheduled for April 13th. Many will be watching closely to see if they will be increasing their key policy rate [...]

Out of everything we can control in our lives, rising mortgage rates are not one of them. We do however have control over how we respond to them. Sure, you [...]

Upward pressure on fixed mortgage rates continues into this week. While the Bank of Canada has eight scheduled rate announcements per year (which determines prime rate), fixed and variable rate [...]

Even with last week’s rate increase from the Bank of Canada, the spread between fixed and variable is still around 1.40%, which is larger than it has been in years. [...]

In their 2nd scheduled rate announcement for 2022, the Bank of Canada confirmed this morning that they will be increasing their key policy rate (overnight rate) by 0.25%. The last [...]

If you’ve been shopping for a new home, then you have already experienced the craziness of the red-hot real estate market firsthand. You see home after home, and are continuously [...]

Whether you are a first time homebuyer, or someone who has been through the process many times before, purchasing a new home can be an exciting experience. The excitement can [...]

It’s no big secret that the Bank of Canada will be increasing their key policy rate (overnight rate) multiple times in 2022. What we don’t know is when or how [...]

One of the most common questions we get from our clients is whether they should be choosing a fixed or variable rate mortgage. With all the talk about rising rates, [...]

Ever since the US Fed hinted that they are expecting to raise their rate sooner than expected, there has been increasing speculation that the Bank of Canada would increase their [...]

Upward pressure on fixed mortgage rates builds as bond yields continue to rise. They have been trending upward since the US Federal Reserve announced that they are expecting to raise [...]

In the last scheduled rate announcement from the Bank of Canada on December 8th, they held true to their projection on holding their overnight rate steady until sometime in the [...]

It’s hard to believe that it’s 2022 already. Such a futuristic sounding number, yet still no flying cars. What gives?  For those who have been following my blog over the [...]

If there is anything positive to come out of COVID, it’s the record low mortgage rates that it created. As the pandemic won’t last forever, neither will the rates, so [...]

With all the talk about the Bank of Canada increasing their rate in 2022, I’m getting more and more questions regarding converting a current variable rate mortgage into a fixed.   But is this [...]

In their final scheduled rate announcement for 2021, the Bank of Canada confirmed this morning that they will be holding their overnight rate at 0.25%. This is the rate that [...]

Finding the ideal home can be challenging, if not impossible, especially in a hot real estate market. You might find a home where you love the layout, but the kitchen [...]

Anyone following the mortgage market is aware that fixed mortgage rates have been increasing since early October. While they have stabilized for now, it’s possible that we could see further [...]

When purchasing a resale property, the closing date is a straightforward concept. It’s simply the date that the ownership is transferred from the seller to the buyer. Where it becomes [...]