Paul Stevenson - Mortgage Agent

09/09/2026

There’s a lot happening with mortgage rates and real estate right now, and honestly, some of the signals seem to contradict each other.

The economy is slowing, but fixed mortgage rates could actually be heading higher. Ottawa home sales dropped significantly in August, yet prices are holding fairly steady. Meanwhile, variable mortgage rates are still very competitive.

I put together a simple breakdown of what’s happening, what I’m watching, and what it could mean if you’re buying a home or have a mortgage renewal coming up.

Have a read below, and as always, feel free to reach out if you want to talk through your own situation.

https://paulstevenson.ca/f/what%E2%80%99s-happening-with-mortgage-rates

07/29/2026

The housing market is about much more than interest rates. I break down the latest trends, what they mean, and why confidence, affordability and housing supply may shape what's next.

I'd love to hear your thoughts.

https://paulstevenson.ca/f/its-not-just-interest-rates-anymore

07/27/2026

Today, we remember a friend, colleague, and someone who made a lasting impact on so many lives.

Paul Rushforth was more than a respected professional, he was a kind, generous person who always had time for others. His leadership, friendship, and unwavering support will be remembered by everyone fortunate enough to know him.

Our thoughts are with Paul's family, friends, and everyone whose life he touched.

Rest in peace, Paul. Your legacy will live on, and you will be deeply missed. ❤️

05/06/2026

This market update covers a few major shifts that I think Canadians should be paying close attention to heading deeper into 2026. The Bank of Canada held rates steady, but the bigger story was the tone change from Tiff Macklem and the growing concern around sticky inflation, rising oil prices, and what that means for bond markets and mortgage rates moving forward.

I also break down:

• Why fixed rates are moving differently than variable rates
• How oil and global conflicts are impacting bonds
• New housing and mortgage insurance changes from Ottawa
• Why retirees aren’t downsizing the way many expected
• The growing “housing bottleneck” quietly building beneath the market

There are a lot of moving pieces right now, and understanding how they connect together matters more than ever.

Full article below 👇

This weekend was a special one for me personally as I got to celebrate my parents’ 50th wedding anniversary. It’s pretty incredible to reflect on what 50 years of marriage really represents in today’s world. We also spen...

04/29/2026

Big week for Canada and real estate.

Between new federal budget updates, the proposed RE/MAX acquisition, and a $25B national investment fund, there’s a lot happening behind the scenes that could shape where things go next.

Put together a quick breakdown of what it all means and why it matters 👇

Over the past week, several important developments have surfaced across Canada’s economic and real estate landscape that deserve a closer look. While each announcement stands on its own, together they point to a broader ...

04/15/2026

The Next 45 Days Could Define Ottawa’s Spring Market

The market is starting to shift.

More homes are selling, inventory is being absorbed, and prices are showing signs of stabilizing. With improving economic conditions, we could be heading into a very active stretch from May into early summer.

If you’ve been thinking about buying or selling, this may be the window to pay attention to.

This past week has felt like a bit of a turning point. Conversations are picking up again, showings are getting busier, and there’s a noticeable shift in tone from hesitation to quiet confidence. It’s not loud yet, but i...

03/25/2026

Honoured to be recognized by CENTUM Financial Group Inc. with the Optimus Platinum Award for my 2025 performance.

It was a great moment connecting with Adrian Schulz at the VISION conference and reflecting on the past year. This business is built on trust, and I’m incredibly grateful for the clients and referral partners who continue to put their confidence in me every day.

This recognition is just as much yours as it is mine. Thank you for the continued support! 🙏 🏡

11/04/2025

Between new housing policies, talk of affordability, and interest rates finally settling, there’s a lot happening in Canadian real estate right now. I put together my take on what to expect from this budget, where rates could go next, and why this moment might be more about patience than panic.

There’s a lot happening in Canada’s economic world right now, and it all connects back to real estate in one way or another. Between the Bank of Canada’s latest rate cut, a shifting labour market, and the federal budget ...

08/01/2025

The Canadian real estate and mortgage scene is anything but quiet this summer. Interest rates are holding higher than expected, big changes are coming to the public service, and housing affordability is getting even tougher—especially for middle-income families. Builders are also facing cost spikes and delays, and a major lender, First National Financial, just got sold for $2.9 billion.

All of this points to a market in transition. How do you think these changes will affect homebuyers and homeowners in the near future?

Check out my thoughts below...

As summer winds down, the Canadian housing and mortgage landscape continues to evolve with important changes that are already having an impact and will likely influence decisions well into the fall and beyond. From inter...

03/11/2025

Sales are slowing, inventory is rising, and buyers have more options than they’ve seen in years. What does this mean for prices, competition, and the spring market ahead?

In my latest market update, I break down February’s numbers, what’s driving these shifts, and what buyers and sellers should expect next. If you’re thinking of making a move in 2025, this is a must-read!

Check it out...

Last week, I had the honour of attending the CENTUM Vision National Conference in Toronto, where I was awarded the National Optimus Platinum Award for 2024. This recognition highlights the dedication and effort put into ...