18 Sep

Luxury Homes & Smart Mortgage Strategies: How to Leverage High-Value Properties

General

Posted by: Charlotte Ferguson

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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18 Sep

Navigating Canada’s Mortgage Environment: Key Trends and What They Mean for You

Latest News

Posted by: Charlotte Ferguson

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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18 Sep

Canadian Mortgage Market at a Crossroads: Balancing Supply, Demand, and Affordability

Housing Market

Posted by: Charlotte Ferguson

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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9 Sep

Mortgage Renewal Wave Is Coming

Latest News

Posted by: Charlotte Ferguson

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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8 Sep

What the Latest BoC Rate Change Means for Buyers in Kitchener-Waterloo

Housing Market

Posted by: Charlotte Ferguson

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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8 Sep

What’s the Difference Between Pre-Approval and Pre-Qualification?

Mortgage Tips

Posted by: Charlotte Ferguson

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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6 Sep

Don’t Sign That Renewal Letter Yet! Why Shopping Around Matters

General

Posted by: Charlotte Ferguson

Don’t Sign That Renewal Letter Yet! Why Shopping Around Matters When your mortgage term nears its end, your lender will send you a renewal letter that often reads like a formality: sign here, lock in a new rate and carry on. But blindly accepting that offer can cost you more than you think. Banks and […]

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6 Sep

Renovate as You Buy: Understanding Purchase Plus Improvements Mortgages

General

Posted by: Charlotte Ferguson

Renovate as You Buy: Understanding Purchase Plus Improvements Mortgages Have you ever walked into a home and thought, “The bones are great, but that wallpaper has got to go”? With a Purchase Plus Improvements mortgage, you don’t have to let outdated finishes stop you from buying the perfect property. This program lets qualified buyers add […]

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