Mortgage Blog

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 ...

How Much Home Can You Really Afford in Mississauga?

December 15, 2025 | Posted by: Lorne Andrews

How Much Home Can You Really Afford in Mississauga? Buying a home is an emotional milestone. For many families in Mississauga, it’s the moment they step from dreaming into reality. Yet, underne ...

Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals

December 15, 2025 | Posted by: Lorne Andrews

Bank of Canada Rate Hold, What It Means for Mortgages Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals When the Bank of Canada announces a rate decision, it immediately gr ...

Dec 10-2025 - Bank of Canada maintains policy rate at 2.25%

December 10, 2025 | 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%. Major economies around the world continue to show res ...

Fall 2025 Canadian Mortgage Trends & Insights Report

November 21, 2025 | Posted by: Lorne Andrews

Did You Know ? Did you know that despite encouraging signs of stabilization in the Canadian mortgage market this fall, the national household debt-to-income ratio remained at an eye-opening 181.8 % in ...

Nov. 2025 - How the Bank of Canada Rate Cut Affects Your Refinancing Strategy

November 10, 2025 | Posted by: Lorne Andrews

On October 29 2025, the Bank of Canada (BoC) reduced its target overnight rate by 25 basis points to 2.25 %. For Canadian homeowners who are thinking about refinancing their mortgage, this move matter ...

Debt Reduction Key as Interest Rates Soar

July 21, 2023 | Posted by: Lorne Andrews

There are lots of reasons people fall into debt but only one way out — and it requires a combination of planning, discipline, and persistence. With the rise in interest rates, there is no better ...

Home Selling Season is Around the Corner: Tips to Get Ready

April 17, 2020 | Posted by: Lorne Andrews

Home selling season is rapidly approaching. In most cases, spring is the top time to sell a home. One reason spring is the top-selling season is that home buyers align their moving schedule with their ...

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