Alexandre Gould - Mortgages

Alexandre Gould - Mortgages Helping you secure the best mortgage rates and terms with expert guidance every step of the way. Let’s make your homeownership goals happen!

NB #250067151
NS #20253001110

Moncton , NB 📍

EN/FR

06/17/2026

Oil is dropping. Bonds are reacting. Fixed mortgage rates could follow.

Oil prices fell nearly 5% today to a 3-month low — and that's actually relevant to your mortgage. Here's why: fixed mortgage rates in Canada are tied to Government of Canada bond yields, not the Bank of Canada's policy rate. When oil falls, inflation expectations drop, and bond yields tend to follow. We're already seeing that play out.

If bond yields continue to slide, lenders will have room to cut fixed rates. We haven't seen the moves yet, but the conditions are lining up.

All eyes are now on the Bank of Canada's next rate announcement on July 15th. With oil softening and global uncertainty still in the picture, there's a real case for further easing — which could push both variable and fixed rates lower.

If you're coming up for renewal, thinking about buying, or just wondering whether it makes sense to lock in — this is exactly the kind of market window worth paying attention to.

Reach out and let's have a conversation before the market moves.

06/15/2026

💡 Did you know your mortgage could actually protect your financial future?

Most people think paying down their mortgage as fast as possible is always the smartest move. But here's a strategy worth considering — extending your amortization.

By stretching your amortization period, you lower your monthly mortgage payments and free up significant monthly cash flow. Instead of that money going straight into your home equity, it stays in your pocket — available for life's unexpected expenses.

Here's the real win: less reliance on credit.

When your monthly breathing room is tight, most people turn to credit cards or lines of credit to cover gaps. That high-interest debt can spiral fast. But if your mortgage payment is more manageable, you're less likely to reach for that credit card when the car breaks down or a bill hits unexpectedly.

Think of it this way:

✅ Lower mortgage payment = more monthly cash flow
✅ More cash flow = fewer emergencies that force you into debt
✅ Less debt = stronger financial position long-term

Is it right for everyone? No. But for the right client, extending your amortization isn't about taking longer to pay off your home — it's about staying out of the debt cycle and keeping your finances resilient.

Wondering if this strategy makes sense for your situation? Let's chat.

Alexandre Gould | Mortgage Broker | Fairview Mortgages

06/10/2026

Bank of Canada Holds Rate — What It Means for You

The Bank of Canada just announced a hold at 2.25% — the 5th consecutive hold — as it navigates trade uncertainty with the U.S. and higher energy prices.

So what does this mean if you're thinking about buying a home or renewing your mortgage?

🏠 Variable-rate mortgages remain tied to the prime rate — no change today, but uncertainty remains.

🔒 Fixed-rate mortgages are still influenced by bond markets, which are pricing in a possible rate increase later this year — locking in now may be a smart move.

What's next? Most economists expect rates to stay flat for the rest of 2026, though a hike to 2.50% by mid-2027 is being discussed.

Now is a great time to review your mortgage strategy before conditions change — I'm here to help.

06/10/2026

Nova Scotia just became the first province in Canada to drop the minimum down payment to just 2% for first-time buyers. No mortgage insurance. No, that's not a typo.

On a $400,000 home, you're looking at $8,000 down. That's it.

Here's who qualifies:

✅ Household income under $200,000
✅ Credit score of 630+
✅ Homes up to $570,000 in Halifax / $500,000 elsewhere
✅ Rate capped at prime + 2%

The province backs the mortgage — you just move in. 🔑

If you've been waiting for a sign that homeownership is finally within reach, this is probably it. Shoot me a message and let's figure out if this works for you.

06/09/2026

Refinancing Through Alternative Lenders — What Canadian Homeowners Need to Know

If you don't qualify for a refinance at a traditional bank, that doesn't mean you're out of options. Alternative lenders — commonly known as B lenders — exist specifically for situations where conventional lending criteria fall short, and they can be a powerful tool for homeowners looking to restructure their finances.

B lenders work with borrowers who have bruised credit, non-traditional income, higher debt loads, or who are self-employed with income that doesn't fit standard qualification requirements. Where the big banks say no, B lenders are built to say yes — with a clear path to get you back to prime lending when the time is right.

You can refinance up to 80% of your home's appraised value, and B lenders are able to work with extended debt service ratios that traditional lenders won't touch. Terms are typically one to three years, which is intentional — the goal is to stabilize your finances, improve your credit profile, and transition back to a traditional lender at a better rate. Rates are generally higher than prime, and most B lenders charge a lender fee at closing, so it's important to factor that into the overall picture.

A B lender refinance is not a long-term solution — it's a strategic short-term move. Used properly, it can eliminate high-interest debt, improve monthly cash flow, and position you for a prime mortgage within a couple of years. The key is having a clear plan from day one. If you're carrying debt, facing a renewal with bruised credit, or simply don't fit the bank's box right now, let's talk about what's actually available to you.

Alexandre Gould — Mortgage Broker | Fairview Mortgages

06/02/2026

🏦 Bank of Canada Rate Decision – June 10th

The Bank of Canada is set to announce its next interest rate decision this Wednesday, June 10th at 9:45 AM ET.

The overnight rate has been held at 2.25% since January, but with ongoing economic uncertainty, all eyes are on what the Bank signals next — especially for variable-rate mortgage holders and buyers on the fence.

💡 What this could mean for you:

• Variable-rate mortgages may see movement in your payment

• Fixed rates are influenced by bond markets, not the overnight rate — don’t confuse the two

• If you’re renewing, buying, or refinancing in the next 6–12 months, now is a great time to have a strategy in place

Wondering how the upcoming decision could affect your mortgage? I’m happy to walk you through your options!

🎉 Big news — I’m officially licensed in Nova Scotia!I’m thrilled to share that I am now a licensed Mortgage Associate in...
06/01/2026

🎉 Big news — I’m officially licensed in Nova Scotia!

I’m thrilled to share that I am now a licensed Mortgage Associate in NS (License #2025-3001110), meaning I can help Nova Scotians navigate the mortgage process with confidence.

Whether you’re a first-time buyer, looking to refinance, or exploring an investment property, I’d love to guide you through every step of the journey.

If you or someone you know is in Nova Scotia and thinking about their next mortgage move, let’s connect!

📞 1-506-227-1437
📧 [email protected]

05/26/2026

🔁 Switching Lenders at Renewal Without Re-Qualifying

This is one of the most underutilized advantages in the Canadian mortgage market right now.

As of November 2024, borrowers doing a straight switch to a new lender at renewal no longer have to re-qualify under the mortgage stress test. This was a game changer. Previously, many people stayed with their existing lender — even at a worse rate — because they were afraid they wouldn't pass the stress test elsewhere.

That barrier is gone. If your bank offers you 5.1% at renewal and another lender is offering 4.5%, a broker can facilitate that switch seamlessly. On a $350,000 balance, that 0.6% difference is roughly $2,100 in interest savings per year — just for making a phone call.

💡 Key takeaway: Loyalty to your bank at renewal can cost you thousands. Always get a second opinion.

05/25/2026

💡 Your home isn't just where you live. It's a financial tool.

Most Canadians are sitting on significant equity and don't even realize they can put it to work.

Here's how it works:

↳ You refinance your mortgage
↳ You extend your amortization (up to 30 years with 20%+ equity)
↳ Your monthly payments drop
↳ You take that freed-up cash and invest it

Whether it's a TFSA, RRSP, real estate, or a diversified portfolio — that money compounds over time.

The goal isn't to carry debt forever. The goal is to make your assets work harder than your liabilities.

Curious if this strategy makes sense for you? DM me. 👇

05/20/2026

Did you know 6 in 10 Canadians break their mortgage before their 5-year term is up?

Life happens — job changes, growing families, relocations. And when it does, the lender you chose at signing makes a massive difference.

Here's what most people don't know:

🏦 Big Bank Mortgage Break Penalty:

On a $500,000 mortgage broken at year 3 → ~$18,000

🏢 Monoline Lender Mortgage Break Penalty:

Same mortgage, same situation → ~$4,000

That's a $14,000 difference — just because of how they calculate the penalty.

Why such a big gap?

Banks use something called a posted-rate IRD — an inflated rate that almost nobody actually gets. This artificially inflates your penalty.

Monoline lenders calculate using the actual discounted rate — the rate you really signed at. More fair. More transparent.

Monolines also typically offer:

✅ Lower mortgage rates (less overhead = savings passed to you)
✅ Up to 20% prepayment privileges per year
✅ More flexibility if life changes mid-term
✅ Smoother portability options

The bottom line? If there's even a chance you'll sell, refinance, or move before your term is up — and statistically, there is — working with a monoline lender through a mortgage broker can save you thousands of dollars.

That's the conversation we have with every client at Fairview Mortgages. 💼

📩 DM me — happy to run the numbers for your situation!

Alexandre Gould
Fairview Mortgages
(506) 227-1437
[email protected]

Address

Dieppe, NB
E1A

Telephone

+15062271437

Website

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