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Posted by: Charlotte Ferguson
Bank of Canada Cuts Key Rate to 2.25% — Here’s What It Means for Your Mortgage The Bank of Canada announced today that it’s cutting the overnight lending rate to 2.25%, its second rate reduction in a row — and a welcome bit of relief for Canadians feeling the squeeze. 🧾 Why This Matters The […]
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For first-time home buyers across Ontario, good news just hit the market — and it could change your affordability game. The Ontario government has announced a plan to remove the full 8% provincial portion of the HST on newly built homes priced up to $1 million. That’s up to $80,000 in savings — money that […]
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The holidays are supposed to feel joyful — lights up, family in town, kids vibrating with excitement — but let’s be honest. They’re also expensive. Travel. Gifts. Extra groceries for hosting. Winter tires. Property tax installments. The credit card that still hasn’t come down from summer. If you’re already feeling stretched going into November and […]
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Introduction Owning a luxury home is often seen as the ultimate lifestyle upgrade. But beyond the prestige, high-value properties can also open the door to unique mortgage strategies that help you build wealth, create flexibility, and even unlock opportunities in your broader financial plan. 1. Leveraging Equity for Investment Luxury properties build equity quickly, especially […]
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Navigating Canada’s Mortgage Environment: Key Trends and What They Mean for You The Canadian mortgage market continues to evolve under pressure from changing interest rates, tightening housing supply, and shifting borrower behavior. For prospective homebuyers, current owners considering refinancing, or those just keeping an eye on the market, understanding these developments is crucial. Interest Rate […]
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Canada’s mortgage and housing markets are facing a pivotal moment as multiple forces converge: limited housing supply, affordability concerns, and shifting demand dynamics. On one hand, affordability challenges are mounting. Rising borrowing costs in recent years left many households stretched, and while some relief may come with potential Bank of Canada rate cuts, affordability remains […]
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Mortgage Renewal Wave Is Coming — Here’s How to Brace for It Canada is about to experience one of its largest mortgage renewal periods in recent memory—over 1.8 million mortgages will come up for renewal in the next year alone. That means a lot of Canadians are bracing for a possible 20% jump in monthly […]
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Client Success Story: Helping a Self-Employed Client Get Approved in 14 Days Self-employed clients often feel like the mortgage process is stacked against them—but it doesn’t have to be. Recently, I worked with a local client who owned a small business. They had strong cash flow but didn’t fit into the traditional salaried income box. […]
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Local Market Insights: What the Latest BoC Rate Change Means for Buyers in Kitchener-Waterloo On July 30, 2025, the Bank of Canada announced its latest interest rate decision, holding the overnight rate steady at 4.25%. This is big news for buyers and homeowners in Kitchener-Waterloo. Here’s what it means for you: Stability in borrowing costs: […]
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Mortgage Basics 101: Pre-Approval vs. Pre-Qualification When you start thinking about buying a home, one of the first terms you’ll come across is “pre-approval” or “pre-qualification.” While they sound similar, they’re actually very different. Pre-qualification is a quick estimate of what you might qualify for, based on information you provide about your income, debts, and […]
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