The Mortgage Minds Inc.

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Edmonton, AB
The Mortgage Minds Inc.

We are a dynamic group of Mortgage Professionals with over 45 years of past financial experience. Pr

04/17/2026

Just a reminder to all Canadians… The deadline for filing your 2025 taxes is coming up.

Start sending them off now, whether you're a homeowner or not.

~The Mortgage Minds Inc~

04/05/2026

From all of us at The Mortgage Minds, we wish you and your family a wonderful Easter weekend, if you celebrate.

🐰🥚🐰🥚

03/18/2026

The Bank of Canada announced today that it will once again hold the policy interest rate at 2.25%.

For homeowners and buyers, that means no immediate change to variable mortgage rates.

So why the pause?

Over the past year, inflation in Canada has moved closer to the Bank’s target range of 1–3%, which reduces pressure to raise rates further.

However, the economy has been sending mixed signals. Household spending has slowed, the housing market is adjusting, and many Canadians renewing their mortgages are already dealing with higher borrowing costs than they had during the pandemic.

Plus, the global turmoil and increase in oil and natural gas prices leave economic impacts a little uncertain at this time.

Because of this, the Bank is taking a wait-and-see approach. Holding the rate gives policymakers more time to see how the economy responds to the changing environment.

For borrowers, today’s decision provides short-term stability.
If you’re buying, renewing, or planning ahead, rate announcements like this are a reminder that the mortgage landscape continues to evolve… even when the rate itself doesn’t move.

~The Mortgage Minds Inc~

12/25/2025

From our families to yours, Merry Christmas!

Wishing you a warm and joyful holiday season 💖

With gratitude,
The Mortgage Minds Inc.

12/10/2025

Bank of Canada Rate Update | Last Update for 2025

The Bank of Canada held the overnight rate at 2.25%.

Here’s what they’re seeing:
• Economic growth surprised on the upside, with GDP up 2.6% in Q3
• The job market improved, with unemployment dipping to 6.5% in November
• Inflation cooled slightly to 2.2%, still close to target

There’s still global uncertainty; especially around trade and tariffs so the Bank emphasized it’s ready to respond if things change, but for now, this rate supports stability.

🏡 What this means for housing:
When rates rose quickly from 0.25% to 5.00%, home prices in Canada fell about 25%.

Since rates have eased back down to 2.25%, prices in Canada have remained relatively steady — down around 1.4%.

💬 Bottom line:
Rates are steady. The economy is holding up. And the Bank is watching closely. “Uncertainty remains elevated. If the outlook changes, we are prepared to respond.”
( Source: Bank of Canada )

Any questions, DM us

11/27/2025

𝐓𝐡𝐞 𝐈𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐜𝐞 𝐨𝐟 𝐚 𝐏𝐫𝐞-𝐀𝐩𝐩𝐫𝐨𝐯𝐚𝐥
Before you start house-hunting, a pre-approval gives you real clarity and a big advantage.

𝑯𝒆𝒓𝒆’𝒔 𝒘𝒉𝒚 𝒊𝒕 𝒎𝒂𝒕𝒕𝒆𝒓𝒔:

𝙆𝙣𝙤𝙬 𝙮𝙤𝙪𝙧 𝙩𝙧𝙪𝙚 𝙗𝙪𝙙𝙜𝙚𝙩
No guessing — you’ll understand exactly what you can afford based on your income, credit, and debts.

𝙎𝙩𝙖𝙣𝙙 𝙤𝙪𝙩 𝙩𝙤 𝙨𝙚𝙡𝙡𝙚𝙧𝙨
A pre-approval shows you’re serious and qualified, making your offer stronger than someone who doesn’t have one.

𝙇𝙤𝙘𝙠 𝙞𝙣 𝙖 𝙧𝙖𝙩𝙚
Many lenders hold a rate for 90–120 days, giving you protection if rates rise while you shop.

𝙈𝙖𝙠𝙚 𝙩𝙝𝙚 𝙥𝙧𝙤𝙘𝙚𝙨𝙨 𝙨𝙢𝙤𝙤𝙩𝙝𝙚𝙧
You move faster when you find “the one” because your finances and income are already reviewed.

𝘽𝙚 𝙥𝙧𝙚𝙥𝙖𝙧𝙚𝙙
You’ll see your estimated payments and terms upfront so nothing feels unclear or overwhelming.

If you want to get pre-approved or have questions please connect with us!

~ The Mortgage Minds Inc ~

11/11/2025

Gratitude runs deep today.
For the heroes who gave, the families who waited,
and the freedoms we sometimes take for granted.
We remember. Always. ❤️

Lest we forget.

~ The Mortgage Minds Inc.~

10/31/2025

🎃 Happy Halloween from all of us at The Mortgage Minds!

Wishing you a night full of fun, laughter, and just a little bit of spookiness 👻

Also, go Jays! ⚾️

~The Mortgage Minds Inc ~

10/29/2025

The Bank of Canada has dropped its rate a second time in a row.

The overnight rate is now 2.25%.

What’s behind this decision?

The economy has been facing some real headwinds lately, driven by U.S. trade uncertainty, slowing exports, and weaker business investment. Many companies are pressing pause on spending until there’s more clarity on trade policy and global supply chains.

At the same time, job growth has softened — unemployment is holding around 7% — and the Bank says overall momentum in the economy has cooled. That combination was enough for policymakers to step in again to give the economy a bit more support.

💰 Here’s what it means for you:

Variable-rate mortgage holders: Expect a little relief — your payments should dip slightly with this latest cut or if you have a static payment, more of that payment will be applied to the principle portion.

📊 The bigger picture:

Inflation is sitting close to 2.0%, right around the Bank’s target. But with growth forecasts now trimmed to 1.2% for 2025 and 1.1% for 2026, the Bank is clearly signaling that Canada’s economy is in a softer patch.

Officials said today that this rate is “about the right level for now” — meaning they’re not planning more cuts unless conditions worsen.

👇 What’s next?

The next rate announcement is December 10, 2025

Curious about how this latest move could affect your mortgage, renewal, or financial plans?
Connect with us anytime!

~The Mortgage Minds Inc ~

09/30/2025

National Day for Truth and Reconciliation Day 🧡

We hold space for the children who never came home, the survivors who carry the stories, and the families and communities forever changed.

At The Mortgage Minds, we believe that community is built on listening, learning, and walking forward together. Today is a reminder to keep showing up — to learn from the truth, to honour every story, and to work toward a future rooted in compassion, understanding, and respect.

Every child matters. 🧡

Address

284, 6005 Gateway Boulevard (apt. Only)
Edmonton, AB
T6H2H3

Telephone

+17802388296

Website

http://www.themortgageminds.ca/

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