Mortgage Blog

Canada's Rental Market Overview for 2025 and going into 2026

February 10, 2026 | Posted by: Lorne Andrews

Canada's rental market finally showed signs of breathing room in 2025. After several years of ultra-tight conditions, CMHC reports that vacancy rates rose across all major census metropolitan areas (C ...

Spousal Buy‑Out Mortgages in Ontario: How to Keep the Family Home After a Separation

February 1, 2026 | Posted by: Lorne Andrews

Spousal Buy‑Out Mortgages in Ontario: How to Keep the Family Home After a Separationby Lorne Andrews Mortgage Broker Divorce or separation is emotionally draining, and the financial decision ...

What programs are available for First Time Home Buyers?

February 1, 2026 | Posted by: Lorne Andrews

First‑Time Home Buyer Programs in Ontario (2026)by Lorne Andrews Buying your first home in Ontario can be daunting — from saving for a down payment to understanding which incentives you ...

Purchase Plus Improvements Mortgage in Ontario

January 31, 2026 | Posted by: Lorne Andrews

Purchase Plus Improvements Mortgage in Ontario Turning your new Ontario home into a dream homeLorne Andrews Mortgage Broker In fast‑moving housing markets like Toronto and other parts of On ...

Jan 28-2026-Bank of Canada maintains policy rate at 2.25%

January 28, 2026 | Posted by: Lorne Andrews

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The outlook for the global and Canadian economies is ...

Insured Mortgage Rules and Affordability in 2026: A Practical Guide for Canadian Homebuyers

January 25, 2026 | Posted by: Lorne Andrews

If you are trying to buy a home in Canada right now, you have probably felt the disconnect. Rates are lower than they were at the peak, but affordability still feels tight. Home prices in many ...

Why Inflation Is Cooling but Homeownership Still Feels Expensive in Canada

January 13, 2026 | Posted by: Roar Solutions

If you have been watching the news, you have likely heard that inflation in Canada is coming down. That sounds like good news, especially for homeowners and buyers who have been under pressure from hi ...

Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada

December 23, 2025 | Posted by: Lorne Andrews

Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada Many Canadians were hopeful that easing inflation and early interest rate relief would make buying a home eas ...

Beyond the Sticker Price: Understanding Closing Costs and Incentives in Mississauga

December 19, 2025 | Posted by: Lorne Andrews

Beyond the Sticker Price: Understanding Closing Costs and Incentives in Mississauga You found the perfect home, negotiated a purchase price and planned your down‑payment. Then your lawyer hands you ...

Decoding Down‑Payments and Mortgage Insurance for Mississauga Homebuyers

December 17, 2025 | Posted by: Lorne Andrews

Decoding Down‑Payments and Mortgage Insurance for Mississauga Homebuyers When you picture your future front porch, you probably don’t imagine numbers. Yet, the size of your down‑payment inf ...

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