Mortgage Now

10/12/2026

10/07/2026

According to a recent report from RBC Economics, Canada’s housing market faced renewed turbulence to start the fall, driven by rising long-term interest rates, ongoing affordability challenges, and trade tensions that have kept buyers on the defensive across major cities.

Confidence in the Canadian housing market came under renewed pressure in September as escalation in the trade war with the United Sates, and rising long-term interest rates put buyers on the defensive.

10/06/2026

While new-home GST/HST rebates can offer buyers up to $130,000 in tax relief, mortgage professionals must ensure buyers have enough cash at closing if the builder doesn't credit the rebate upfront or if lenders treat it differently for down payment requirements.

Tax relief can reduce the cost of a new home, but rebate timing and lender treatment can affect the cash buyers need to close.

10/05/2026

Don’t let Federal Reserve headlines panic you—I break down 30 years of central bank data to reveal what U.S. rate hikes actually mean for your Canadian mortgage over the next six months to five years. Hope you enjoy this read...

An analysis of U.S and Canada central bank hiking cycles over 30 years to help you plan and navigate a long-term mortgage strategy.

09/05/2026

Wishing everyone a relaxing and well-deserved Labour Day weekend! As we head into the final stretch of the year, take some time to recharge and enjoy the last days of summer. 🍂🏠

08/06/2026

Worried about mortgage renewals? Don't panic. After 35+ years, my advice is the "7-Year Rule": treat your home as a long-term asset, not a day trade. Hold for 7+ years, and you’ll weather any short-term fluctuations.
Concerned about your renewal? Don’t wait—reach out and let’s explore your options.

Lately, whenever I talk to clients, friends, or family across Ontario, I hear the same thing: people are anxious. They’re worried about where interest rates are going, what their homes are wo…

07/07/2026

Hope you like my new article...Thinking about building a cottage? Think again. With construction costs skyrocketing up to $800/sq ft, buying existing resale is the real 2026 hack. 🛠️📉 Dive into our latest breakdown of Canada's current buyer's market:

In the summer of 2026, across several regions, Canada's cottage market presents a buying opportunity absent over the last two decades.

07/01/2026

Happy Canada Day! Enjoy!

06/02/2026

Canadian housing costs compared to income. 1990 to 2026. A then and now study. Just take a look at this.
I took a look at Average rents, average mortgage size, average payments and average incomes.
Here's the actual results

Housing affordability in Canada has worsened from 1990 to 2026 as household incomes haven’t kept pace with surging home prices.

05/10/2026

Happy Mother's Day to all the wonderful moms!