Patty Strowbridge

04/16/2026

📊 Update sa Housing Market sa Canada (March 2026)

Alam mo ba? Halos hindi nagbago ang home sales noong March, pero:
• Bumaba ang bilang ng bagong listings
• Bumaba rin ulit ang presyo ng mga bahay
• Mataas pa rin ang epekto ng interest rates sa affordability

Sa madaling salita — nagiging mas “balanced” ang market, at nagkakaroon ng opportunity para sa mga buyers na pumasok habang hindi pa tumataas ulit ang demand.

💡 Kung plano mong bumili ng bahay, mag-upgrade, o mag-refinance, importante na may tamang strategy — lalo na sa ganitong market condition.

👉 Bilang mortgage broker, matutulungan kitang:
✔ Humanap ng best rate (bank + credit union options)
✔ I-structure ang mortgage mo para ma-approve
✔ I-guide ka mula pre-approval hanggang closing

📩 Message mo lang ako kung gusto mong malaman kung ano ang kaya mong ma-afford or kung magandang timing na ba para bumili.

Housing Activity Remains Weak in March The number of home sales recorded over Canadian MLS® Systems was virtually unchanged (-0.1%) on a month-over-month basis in March 2026. “Home sales activity remained at lower levels in March, as rising global economic uncertainty, along with a mid-month jump...

04/16/2026

📊 Canadian Housing Market Update – March 2026

Home sales activity remained relatively flat in March, but here’s what’s important:

• New listings dropped slightly
• Home prices declined again
• Interest rates are still impacting affordability

What this means 👇
We’re seeing a more balanced market, which can create opportunities for buyers who have been waiting on the sidelines.

💡 If you’re thinking about buying, upgrading, or refinancing, strategy matters more than ever in this type of market.

As a mortgage broker, I can help you:
✔
Compare options across banks and credit unions
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Secure competitive rates
✔
Structure your mortgage for approval
✔
Guide you from pre-approval all the way to closing

📩 Feel free to reach out if you want to understand what you can afford or whether now is the right time for you to enter the market.

Housing Activity Remains Weak in March The number of home sales recorded over Canadian MLS® Systems was virtually unchanged (-0.1%) on a month-over-month basis in March 2026. “Home sales activity remained at lower levels in March, as rising global economic uncertainty, along with a mid-month jump...

02/17/2026

Will we finally see BOC cut rates again? Find out this and latest updates below

CPI Inflation in Canada Fell A Tick to 2.3% Y/Y in January on Gasoline Price Decline The Consumer Price Index (CPI) rose 2.3% on a year-over-year basis in January, following a 2.4% increase in December. The gasoline price index was the largest contributor to the deceleration in headline inflation, w...

02/07/2026

Honored and incredibly grateful to be recognized with the Premiere Performance Award 🏅

This achievement reflects the trust my clients place in me, the strong relationships I’ve built with my referral partners, and the support of an amazing network around me. Helping individuals and families navigate one of the biggest financial decisions of their lives is a responsibility I never take lightly.

Thank you to everyone who continues to support my business and allows me to do what I love every day. Here’s to continuing to deliver exceptional service and results!

01/28/2026

📢 Bank of Canada Rate Update — Jan 28, 2026

The Bank of Canada has just announced that it is holding its key interest rate steady at 2.25% — the overnight policy rate remains unchanged for the second consecutive meeting. This decision was widely expected by economists.

➡️ What this means:
🔹 The BoC sees the current policy rate as appropriate given the economic outlook.
🔹 Inflation is projected to stay near the 2% target, while uncertainty — especially from global trade and geopolitical risks — remains elevated.
🔹 Markets had largely priced in a hold, and the Bank signaled both cuts or hikes remain possible later in 2026 depending on economic data.

📊 For borrowers and homeowners:
• Variable-rate products continue to reflect the BoC’s stance (prime stays stable).
• Fixed mortgage rates are driven by long-term yields and may not change immediately. (Reminder: fixed rates are influenced by bond markets.)

If you’re thinking about renewing or refinancing, now is a great time to review your options — let’s talk about what today’s decision means for your mortgage strategy. 🏡💬

01/19/2026

Bottom Line – Canada’s Economic Outlook

The Bank of Canada is holding the policy rate as inflation continues to ease, excluding food prices. Canada’s economy is performing better than expected, supported by stronger productivity growth. With lower inflation and steady growth, the BoC is likely to remain on hold through most of 2026, with the next rate move more likely a hike in 2027—barring major changes to CUSMA.

Housing has been the weakest sector, particularly in Ontario, where tariff uncertainty has dampened activity. Greater clarity on the Canada–Mexico–U.S. agreement could help restore confidence and support a rebound in housing, especially in Ontario and Quebec.

Read more about this by clicking the attached link.

CPI Inflation in Canada Rose to 2.4% in December The Consumer Price Index (CPI) rose 2.4% on a year-over-year basis in December, following a 2.2% increase in the prior two months. The year-over-year acceleration in the all-items CPI was driven by the temporary Goods and Services Tax (GST)/Harmonized...

01/16/2026

What is Rent to Own?

Ang Rent-to-Own ay pwedeng maging magandang path to homeownership para sa mga buyers na kailangan pa ng konting time para maka-ipon ng down payment.

Kapag maayos ang setup ng agreement, yung rent na lampas sa market rent ay pwedeng ma-count bilang part ng future down payment — basta pasok sa lender requirements.

Example:
Kung nagbabayad ka ng extra $500 per month, pwede kang maka-ipon ng $18,000 sa loob ng 3 years para sa down payment.

Importanteng tandaan:
✔ Base sa agreed purchase price
✔ Yung excess rent ay sarili mong pera
✔ Insured & insurable mortgages lang
✔ Kailangan tama ang paperwork at timing from the start

⚠️ Important Warning:
Huwag na huwag pumasok sa Rent-to-Own agreement nang hindi muna kumakausap ng mortgage broker at lawyer. Mali ang setup o wording ng contract can result in losing your down payment credits at ma-deny ang mortgage later.

Hindi shortcut ang Rent-to-Own, pero kapag maayos ang structure at may tamang guidance, pwede nitong mapalapit ang pangarap na sariling bahay.

Thinking about Rent-to-Own? Let’s talk and see kung bagay ito sa’yo.

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What is Rent to Own

Rent-to-Own can be a smart path to homeownership for buyers who need more time to save their down payment.

With the right agreement in place, rent paid above market rent can count toward your future down payment—as long as lender requirements are met.

Example:
Paying $500/month above market rent could build $18,000 toward a down payment in just 3 years.

Important to know:
✔ Based on the agreed purchase price
✔ Excess rent is your own money
✔ Insured & insurable mortgages only
✔ Paperwork and timing must be set up correctly from the start

⚠️ Important Warning:
Never enter a Rent-to-Own agreement without first speaking with a mortgage broker and a lawyer. An improperly structured or worded agreement can result in lost down payment credits or a declined mortgage at purchase time.

Rent-to-Own isn’t a shortcut—but when structured properly and with the right guidance, it can open the door to homeownership sooner.

If you’re considering this option, let’s talk through whether it’s the right fit for you.

01/16/2026

Attention Homeowners 55+!

Do you defer your property taxes? Why not defer your mortgage payment as well. Deferring your mortgage payment frees up monthly income, meaning you can draw down your investments at a slower rate by using the equity in your home.

If you are eligible to defer your property taxes, you could be eligible to defer your mortgage payments.

Let’s explore whether this is a financially prudent solution for you. Contact me today: [email protected]

01/07/2026

As this year comes to a close, I want to take a moment to sincerely thank my friends, colleagues, partners, and family who have supported me along the way. Your trust, referrals, encouragement, and continued support truly mean more to me than you know.

In business, it is rare to receive anything in return for the support you give — and that is exactly why I believe in giving back. I value the relationships behind every referral and every client, and I believe those relationships deserve to be rewarded.

This year, I am excited to give back by offering highly discounted luxury hotel accommodations, including one all-inclusive destination in Puerto Plata, Dominican Republic.
Anyone who funds a mortgage with me, or refers someone who results in a funded mortgage, will receive this exclusive offer.

Please don’t hesitate to mention my name to your family and friends.

For those who may need a reminder of what I do:
• I specialize in First-Time Homebuyers, Refinances, and Reverse Mortgages
• I bring 14 years of industry experience
• I am deeply passionate about educating homebuyers and homeowners so they can make confident, informed decisions

If you know someone who could benefit from honest advice and professional guidance, I would be grateful for the referral.
Start referring your friends and family today — and thank you again for being part of my journey.

12/24/2025

Maligayang Pasko sa inyong lahat!

Dear friends, clients, colleagues, at mga followers,

Maraming salamat po sa inyong lahat, sa patuloy na suporta ngayong taon sa mortgage broker business ko po. Inaasahan ko po na marami pa po sa inyo akong matutulungan sa darating na taon, with nothing but great, honest, at unbiased service.

Mula sa aming pamilya hanggang sa inyo po, nais naming batiin kayo ng isang Maligayang Pasko at Manigong Bagong Taon.
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Dear friends, clients, colleagues and followers, Thank you all for your support this year. I look forward to helping a lot more clients this coming year with nothing but great, honest and unbiased service.

From my family to yours, wishing you a wonderful Christmas and a Happy New Year! ❤️🎄🎅🤶