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Posted by: Charlotte Ferguson
The Global Economy Is Shifting—And Your Mortgage Strategy Needs to Catch Up There’s a shift happening right now in the global economy—and if you’re a homeowner, buyer, or planning a move in the next 12–24 months… you need to be paying attention. Because this isn’t just “news headline” stuff.This is directly tied to your mortgage […]
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Bank of Canada Holds Interest Rates in March 2026 — What This Means for Your Mortgage The latest Bank of Canada rate announcement is in—and as of March 18, 2026, the overnight lending rate remains unchanged at 2.25%. While this may seem like a non-event, this decision carries important implications for mortgage rates in Canada, […]
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🦸♀️ “Your Mortgage Could Be Your Secret Superpower” Let’s face it—most people think of their mortgage as a giant monthly bill: 😬 Stressful. Overwhelming. Never-ending. But here’s the twist: your mortgage doesn’t have to be a burden. In fact, if you approach it strategically, it can actually be a tool that works for you. Think […]
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😴 “If the Bank of Canada Is Living Rent-Free in Your Head… Read This” Be honest… How many times have you checked for rate updates lately?Once a week? Once a day? At 2am? 👀 If the Bank of Canada has you feeling like you’re in a situationship with interest rates…we should talk. 😅 You’re Not […]
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💳 “Stop Letting Your Credit Cards Bully You” Let’s be honest…If your credit cards could talk, they’d probably be a little toxic. “Minimum payment accepted 😌”Meanwhile charging you 19–29% interest behind your back. Not exactly a healthy relationship. Here’s the thing: If you’re carrying balances on credit cards, lines of credit, or loans—you’re not alone. […]
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Most people picture a mortgage broker starting their day with emails and paperwork. My day actually starts a little earlier than that. 6:00 AM: Teaching Fitness Before the World Wakes Up Several mornings a week, you’ll find me teaching fitness classes at 6am. While most people are still hitting the snooze button, the studio is […]
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One of the biggest questions homeowners face when moving is whether to buy first or sell first — and the right answer depends on more than the market headlines. Here’s how to think it through. Buying First — Pros & Cons✔ More time to find the right home✔ Less pressure to settle✖ May require bridge […]
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Scrolling listings is exciting — but buying a home starts long before you attend an open house. If you’re planning to buy in the next 6–12 months, these steps can save you stress, money, and missed opportunities. 1. Understand Your Real BudgetOnline calculators don’t tell the full story. A proper mortgage review looks at: Income […]
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Many homeowners assume refinancing only makes sense when rates drop sharply — but that’s only one piece of the puzzle. In reality, homeowners refinance for strategy, not just savings. Here are 5 smart reasons homeowners are refinancing right now — even in today’s market. 1. Paying Off High-Interest DebtIf you’re carrying credit cards, lines of […]
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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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