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Posted by: Charlotte Ferguson
The Bank of Canada made its latest announcement — and the result? 👉 No change. The policy rate remains at 2.25%. This marks another hold in 2026, as the Bank continues to balance inflation concerns with a slower, uncertain economy. But what actually matters isn’t just the headline. 👉 It’s what this means for your […]
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Rental markets are softening across Canada. Learn how this affects your mortgage, cash flow, and real estate strategy. 💬 The Rental Market Shift: What It Means for Your Mortgage (Not Just Your Rent) Let’s talk about what’s really happening in the rental market. Because this isn’t just about tenants. 👉 It’s about your mortgage, your […]
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Let’s talk about the new HST rebate — but not the way headlines do. Because yes… 👉 “Up to $130,000 in savings” sounds amazing. But what actually matters is: 👉 How this impacts your mortgage, your affordability, and your real-life numbers 💰 The Big Headline Ontario is proposing: 👉 Up to $130,000 in HST relief […]
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There’s a question floating around right now that I’m hearing almost daily: “Are rates finally calming down… or is this just a pause before the next move?” And honestly? The answer is a little bit of both. What’s Actually Happening Right Now Recent economic data has been stronger than expected—especially in the U.S.—which continues to […]
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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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