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Posted by: Charlotte Ferguson
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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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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