Variable Rates Are Higher Than Fixed!?Are they supposed to do that? Variable mortgage rates are higher than fixed. What exactly does this mean? Interest Rates are Inverted!?!   It is a common...

The Final  2022 Rate AdjustmentIt's Finally Here. Can we expect to see a leveling out in 2023? Need Some Mortgage Advice?Whether getting a mortgage on your first home, or looking at options for your...

  Are we finally in for some good news?Our Take According to the Bank of Canada the increased interest rates are having their desired effect. Inflation is slowing, as is the housing market in...

  The War in Ukraine, Continuing Effects of Covid-19, and Volatile Commodity Rates To Blame. Our Take The government continues to battle the sky-high interest rates caused by continued Covid-19...

  The Bank of Canada makes their biggest move yet to curb the rising tide. Our Take The governments took a pre-emptive step today against rising inflation and rose their lending rate higher...

  Well the market has settled down, is it time to jump in!Our Take The governments rate hikes over the first half of this year have had their desired affect. The housing market has normalized...

  Is it time to sit tight, or is now the time to find bargains!Our Take The Bank of Canada has again raised their lending rate. However the moderation of last years extremely hot housing market...

Is it time to PANIC? What I think this means for our mortgage market?Our Take The Bank of Canada just raised their rates by the largest amount in 22 years. This .5% rate hike now puts the overnight...

What does this mean for your 2022 home buying plans?Our Take We've finally seen the first of a set of rate increases planned by Bank of Canada for this year. Yes, mortgage rates are going up. So...

Mortgage Minute 12: What to Expect in 2022 Welcome to 2022. With ongoing uncertainty in the world what can we expect to see in 2022? The story of 2021 was dominated once again by the COVID-19...

Fixed vs Variable Rates For a long time not a lot of obvious benefit to choosing a variable mortgage rate because relatively the fixed rates were just as low! Since 2008 when rates bottomed out as a...

Canada just finished a federal election where really nothing changed. With the election results back, and a recent Bank of Canada update, what can we expect in the Real Estate and Mortgage Market?...

This week the bank of Canada made its fourth rate announcement of the year. The bank left the overnight rate unchanged yet again, as expected. It did provide somewhat encouraging thoughts on the...

Over the past month, Canadian Bond yields have hit their highest level in April of last year. As a direct result, we have seen fixed interest rates nudge up at all lenders. Since 5-year rates are by...

It was only a month ago that we collectively looked back at 2020 and thought “well, THAT was a crazy ride!” Then January 2021 started. Our neighbours to the south saw a rocky transition of power...

While COVID has been the biggest ongoing story of the year and the global pandemic has impacted everyone, there are many related stories too!  Interest rates of all sorts have been all over the map...

Happy Thanksgiving from my family to yours. 2020 has been a difficult year for most of us, but I hope we can take this weekend to think of the things we have to be thankful for. Family, friends and...

We are now over a month into Social Distancing across most of the world. It will likely last a few more months. It has wreaked havoc on our mental health. It has caused a large number of layoffs, or...