Alexandre Gould - Mortgages

09/10/2026

📈 Why are mortgage rates creeping up again? Let’s talk bonds.

If you’ve noticed fixed mortgage rates ticking higher this week, here’s what’s really going on behind the scenes:

🔹 The 5-year Government of Canada bond yield just hit a fresh 52-week high near 3.48%. This is the number that directly drives your 5-year fixed mortgage rate.

🔹 The 10-year yield jumped too, now near 3.90%, confirming this isn’t a one-day blip. It’s a broader shift in how markets see risk and inflation.

⚡ Two big forces are pushing yields up right now:

1️⃣ Ongoing trade war tension is adding uncertainty to Canada’s economic outlook and pushing investors to demand higher returns on government debt.

2️⃣ Middle East tension has sent oil prices back above $100/barrel, reviving inflation fears that ripple straight into bond markets.

💡 Here’s the key thing to remember: the Bank of Canada hasn’t touched its overnight rate. It’s been sitting at 2.25% for seven straight meetings. Fixed mortgage rates are moving because of the bond market, not because of a Bank of Canada rate hike.

🏠 What this means for you: if you’re renewing, refinancing, or buying in the next few months, don’t assume “rates are rates.” Fixed and variable are being pulled by very different forces right now. Let’s chat about which strategy actually fits your situation.

📩 DM me or drop a comment. Happy to walk you through your options.

09/09/2026

🏡 BIG NEWS — Now serving Prince Edward Island!

First-time buyer? Renewal? Refinance? Let’s connect.

📞 1-506-227-1437 | [email protected]

09/06/2026

🎉 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]

09/02/2026

Bank of Canada holds its key rate at 2.25%.

For variable-rate mortgage holders, this means no immediate change to your rate from today’s announcement.

The Bank is balancing higher inflation with uncertainty around the Canadian economy and trade. If you have a renewal, purchase, or refinance coming up, now is a good time to review your options.

Message me anytime for a mortgage review.

08/31/2026

3 THINGS SMART HOMEOWNERS ARE DOING WITH THEIR EQUITY RIGHT NOW 📊

Mortgage rates are sitting in the low-4% range. Credit cards? Still charging 20%+.

That spread isn't just a number — it's an opportunity, if you know how to use it.

1️⃣ Wiping out high-interest debt
Roll credit cards and loans into one lower payment at your mortgage rate — not 20%+ interest eating you alive every month.

2️⃣ Building an investment position
Unlock up to 80% of your home's value to fund a long-term strategy, while your equity keeps compounding quietly in the background.

3️⃣ Launching or growing a business
Home equity is often the cheapest capital you'll find — cheaper than a business loan, and it's already sitting there, unused.

⚠️ This isn't a fit for everyone.
Refinancing means requalifying under the stress test, and possibly a prepayment penalty. That's exactly why this deserves a real conversation — not a guess.

📩 DM me and let's find out what your numbers actually look like.

Alexandre Gould
Mortgage Associate, Fairview Mortgages
📲(506) 227-1437
📧 [email protected]

08/30/2026

08/30/2026

Ever wonder how far your money actually goes in Moncton compared to the rest of Canada?

Right now the national average home price sits at $674,819. Toronto buyers are paying an average of just over $1 million. In Vancouver, that number climbs past $1.2 million. Here in Moncton? The average is around $383,600.

That's not a typo. You could buy a home here and still have hundreds of thousands left over compared to what the same money gets you in Ontario or BC.

If you're a first-time buyer feeling priced out of the "big city dream," this might be the sign to look east. Send me a message and let's talk about what your budget actually gets you here.

📞 (506) 227-1437
📧 [email protected]
Alexandre Gould | Mortgage Associate, Fairview Mortgages

08/24/2026

Why Your Fixed Rate Isn't Waiting for the Bank of Canada 🏡

The Bank of Canada has held its rate steady for six meetings straight — so why are fixed mortgage rates still creeping up?

Because fixed rates don't follow the Bank of Canada. They follow the bond market — specifically the Government of Canada 5-year yield. When that yield rises, fixed mortgage rates rise with it, often within days. The Bank can sit still while your 5-year fixed quietly gets pricier.

And right now the pressure is upward. Stubborn U.S. inflation is keeping bond yields elevated, and Canada tends to get dragged along. There's even talk of possible rate increases in 2027.

The takeaway? "Wait and see" carries more risk than it did a year ago. Locking in today isn't giving something up — it's buying certainty before it potentially costs more.

📩 Renewing or buying in the next 6–12 months? Let's map out your options while today's rates are still on the table.

08/23/2026

Rate watchers, this one's for you 👀

The Bank of Canada has kept its rate parked at 2.25% since June, but the big banks don't all agree on what happens from here — and honestly, the split is bigger than usual.

TD and BMO are betting we stay right here at 2.25% clear through to the end of 2027. Meanwhile CIBC, National Bank and Desjardins see a slow climb to 2.75% by next summer. Scotiabank's calling for 3.00% as early as Q1 2027. And RBC is the outlier, projecting things could reach 3.25% by late 2027.

That's a full percentage point of daylight between the most and least bullish forecasts. Which tells you something: nobody actually knows for sure, including the banks making these calls.

So what do you do with that if you've got a renewal coming up, or you're weighing fixed vs. variable right now? Honestly — it depends on your risk tolerance, how long you plan to stay in the property, and what your budget can absorb if rates do creep up. There's no one-size answer here, which is exactly why I'd rather just talk it through with you than post a generic "rates are going up/down" take.

If your mortgage is coming up for renewal in the next 12 months, or you're just trying to figure out timing on a purchase, send me a message. Happy to walk through the numbers with you.

Alexandre Gould
Fairview Mortgages | Canadian Mortgage Trends
📞 506-227-1437 | ✉️ [email protected]

08/19/2026

🏡 Only 2 Homes Remaining on Herman Street in Dieppe!

Looking for a modern new home in the sought-after Fox Creek area?

There are now only two opportunities left:

✨ 153 Herman Street
✨ 155 Herman Street

These beautiful semi-detached homes offer the space, style, and convenience today’s buyers are looking for, with 3 bedrooms, 1.5 bathrooms, open-concept living, and a great Dieppe location close to schools, parks, trails, shopping, and Fox Creek Golf Course.

Whether you are a first-time buyer, upsizing, or looking for a low-maintenance new-build home, this could be the opportunity you’ve been waiting for.

For property details or to arrange a viewing, contact:

Matei Parascan | Salesperson
EXIT Realty Associates
📞 506-343-1442

Need help with financing or a mortgage pre-approval? I can help you understand your options and prepare to make a confident offer.

Alexandre Gould | Mortgage Broker
Fairview Mortgages
📞 506-227-1437
📧 [email protected]