Ashleigh Holtman, Mortgage Architects

09/02/2026

The Bank of Canada has decided to hold its overnight rate steady. This means no change to prime rate and no immediate change for borrowers with mortgages, lines of credit or loans tied to prime.

In other words, today’s announcement was a little less “breaking news” and a little more “carry on with your regularly scheduled mortgage payment.”

If you have an adjustable-rate mortgage, your payment should remain the same. If you have a variable-rate mortgage with a fixed payment, your payment will generally stay the same, along with the amount going toward principal and interest.

Now for the important part: if you currently have a fixed-rate mortgage, this announcement does not affect your existing rate or payment.

Your rate is fixed for the length of your term. The Bank of Canada could raise, lower, hold or dramatically stare at the overnight rate, and your fixed rate would remain the same unless you refinance, sell, port or otherwise change your mortgage.

Bank of Canada announcements also do not directly determine fixed mortgage rates. Variable rates are connected to lender prime rates, which are influenced by the overnight rate. Fixed mortgage rates are influenced more by Government of Canada bond yields and lender pricing. This means fixed rates can move between Bank of Canada announcements, even when the overnight rate does absolutely nothing.

A hold also does not guarantee that mortgage rates will remain where they are. Bond yields can change, and lenders can adjust their pricing at any time.

If your mortgage is coming up for renewal, you are planning a move, or your mortgage is currently powered by hopes and good intentions, reach out. I am always happy to explain what these announcements mean for you.

Source: https://www.bankofcanada.ca/2026/09/fad-press-release-2026-09-02/

💻 www.holtmansmortgages.ca
📞250-365-9516
✉️ [email protected]
➡️ www.facebook.com/ashleigh.holtman
➡️ .smortgages
➡️ Holtman S’Mortgages on Google
Mortgage Broker with Mortgage Architects

We're proudly part of DLCG
Mortgage Group, originating more new mortgages annually than any major bank, trust company, or credit union in Canada.

09/01/2026

Is your mortgage coming up for renewal in January?

Your lender’s renewal letter might make things look easy. Sign here, send it back, and carry on. But easy does not always mean best.

Before you sign, let’s review your rate, your mortgage goals and what other options may be available. Even if staying with your current lender makes the most sense, it never hurts to make sure they are actually giving you a good deal.

January will be here faster than we think. Mostly because September through December lasts approximately six business days.

💻 www.holtmansmortgages.ca
📞250-365-9516
✉️ [email protected]
➡️ www.facebook.com/ashleigh.holtman
➡️ .smortgages
➡️ Holtman S’Mortgages on Google
Mortgage Broker with Mortgage Architects

We're proudly part of DLCG
Mortgage Group, originating more new mortgages annually than any major bank, trust company, or credit union in Canada.

08/28/2026

They are here! The countdown to Tara Borle Mortgage Architects Summit is on!

💻 www.holtmansmortgages.ca
📞250-365-9516
✉️ [email protected]
➡️ www.facebook.com/ashleigh.holtman
➡️ Ashleigh Holtman
➡️ Holtman S’Mortgages on Google
Mortgage Broker with Mortgage Architects

We’re proudly part of DLCG
Mortgage Group, originating more new mortgages annually than any major bank, trust company, or credit union in Canada.

08/28/2026

I’m officially in my review era!

I don’t pay for advertising, so my business has been built almost entirely through referrals, kind words and amazing clients sharing their experiences.

If we’ve worked together and you have a minute to leave me a Google review, I would truly appreciate it. It helps future clients find me, trust me and feel a little less overwhelmed about their mortgage.

Plus, reading your reviews makes my day and occasionally makes my head a little bigger.

Leave a review here: https://g.page/r/CcrAhgPrbwuLEBM/review

💻 www.holtmansmortgages.ca
📞250-365-9516
✉️ [email protected]
➡️ www.facebook.com/ashleigh.holtman
➡️ .smortgages
➡️ Holtman S’Mortgages on Google
Mortgage Broker with Mortgage Architects

We're proudly part of DLCG
Mortgage Group, originating more new mortgages annually than any major bank, trust company, or credit union in Canada.

08/12/2026

This is why you need a mortgage professional! Wait till the last one, it’s the best answer!

💻 www.holtmansmortgages.ca
📞250-365-9516
✉️ [email protected]
➡️ www.facebook.com/ashleigh.holtman
➡️ Ashleigh Holtman
➡️ Holtman S’Mortgages on Google
Mortgage Broker with Mortgage Architects

We’re proudly part of DLCG
Mortgage Group, originating more new mortgages annually than any major bank, trust company, or credit union in Canada.

08/11/2026

Realtors, this is your friendly annual reminder that property taxes do, in fact, change.

If you have listings, please update the 2025 property tax amount on MLS to the 2026 amount.

Because nothing says fun like getting halfway through a mortgage approval and discovering the property taxes have been living in the past.

Your mortgage broker and my calculator thank you.

💻 www.holtmansmortgages.ca
📞250-365-9516
✉️ [email protected]
➡️ www.facebook.com/ashleigh.holtman
➡️ .smortgages
➡️ Holtman S’Mortgages on Google
Mortgage Broker with Mortgage Architects

We're proudly part of DLCG
Mortgage Group, originating more new mortgages annually than any major bank, trust company, or credit union in Canada.

08/03/2026

If your mortgage is up for renewal in December, this is your friendly reminder to please don't just sign the renewal your lender sends you.

I know it's tempting. It shows up in your mailbox, it looks easy, and signing it takes about 30 seconds. But easy doesn't always mean it's the best deal.

Your lender is hoping you'll sign without asking questions. My job is to ask those questions for you.

Sometimes your current lender really does have the best option. Sometimes they don't.

Either way, you'll know you're making an informed decision instead of wondering later if you could have saved money or ended up with a better mortgage.

The best part? It doesn't cost you anything to have me review your renewal. I'll compare your options, explain everything in plain English, and let you know if it's worth staying put or making a change.

So before you grab that pen, send me a message instead. It could save you thousands... and if nothing else, you'll know you didn't accidentally give your bank an easy win.

Let's make sure your next mortgage works just as hard as you do.

💻 www.holtmansmortgages.ca
📞250-365-9516
✉️ [email protected]
➡️ www.facebook.com/ashleigh.holtman
➡️ .smortgages
➡️ Holtman S’Mortgages on Google
Mortgage Broker with Mortgage Architects

We're proudly part of DLCG
Mortgage Group, originating more new mortgages annually than any major bank, trust company, or credit union in Canada.

08/02/2026

It’s CommunityVotes time again, and I’d be so grateful for your support.

If I’ve helped you with your mortgage, answered your questions, calmed your stress, or made the process just a little bit easier, I’d be honoured if you’d consider nominating me for CommunityVotes Sherwood Park.

As a mortgage broker, being recognized by the community means so much because it’s a reflection of the relationships I’ve built with my amazing clients, referral partners, friends, and family. Your support allows me to keep doing what I love every single day.

If you have a minute to spare, I’d truly appreciate your nomination. Every nomination helps!

Thank you for trusting me with one of the biggest financial decisions of your life, and thank you for your continued support. It never goes unnoticed. ❤️

https://sherwoodpark.communityvotes.com/2026/08/financial/mortgages-and-brokers

ForTheLoveOfMortgages

08/02/2026

It's CommunityVotes time again, and I'd be so grateful for your support.

If I've helped you with your mortgage, answered your questions, calmed your stress, or made the process just a little bit easier, I'd be honoured if you'd consider nominating me for CommunityVotes Sherwood Park.

As a mortgage broker, being recognized by the community means so much because it's a reflection of the relationships I've built with my amazing clients, referral partners, friends, and family. Your support allows me to keep doing what I love every single day.

If you have a minute to spare, I'd truly appreciate your nomination. Every nomination helps!

Thank you for trusting me with one of the biggest financial decisions of your life, and thank you for your continued support. It never goes unnoticed. ❤️

https://sherwoodpark.communityvotes.com/2026/08/financial/mortgages-and-brokers

Official 2026 Community Voting Awards Platform for Sherwood Park, AB. Where the community votes for their favourites every year.

07/17/2026

Kootenay Peeps - the family and I will be around from August 16 to 22. I’ll be stopping by to see all my favourite partners and maybeeee spend some time in the offices if any of you want to house a stray broker for a of hours!! I’m also a fan of food and drinks if that suits your needs better 🙌🙌