Team James Mckeown Associate Mortgage Broker's

10/30/2026

Buying, renewing, or switching? Hold your rate while you decide.

3-year fixed from 4.39% through my office. Send me a message and I'll get it held for you.

Rates subject to change without notice and on approved credit. Conditions apply.

10/28/2026

The Bank of Canada raised rates this morning, the first hike since July 2023. Prime is expected to move from 4.45% to 4.70%, most likely tomorrow.

If you're on a variable rate, that's about $13 more a month for every $100,000 of mortgage. Still below fixed, and variable moves both ways.
If you'd rather lock something in, 5-year fixed is available as low as 4.44% through my office on mortgages of $200,000 or more, on approved credit, subject to change.

Message me and we'll run your numbers.

10/27/2026

The Bank of Canada decides Wednesday, and everyone is watching what happens to rates. If you're buying or your renewal is coming up, a free rate hold right now takes the guessing out of it — 5-year fixed as low as 4.44% on mortgages of $200,000 or more, on approved credit, subject to change. Message me and I'll run your numbers.

10/24/2026

Buying or renewing your mortgage? You can get a rate hold right now at as low as 4.44% on a 5-year fixed, before the Bank of Canada decision on Wednesday.

A rate hold is free. It locks your rate while you shop. If rates go up, you're covered. If they don't, we look again.

Message me and I'll run your numbers. Takes about 10 minutes.

James McKeown, Mortgage Broker, Premiere Mortgage Centre — mortgagehfx.com

Rates as low as 4.44% 5-year fixed, on approved credit. Subject to change without notice.

10/21/2026

Quick rate update — things changed this week.

Until the weekend, next Wednesday's Bank of Canada decision (Oct 28) looked like a hold. The market has flipped hard since: traders are now pricing roughly an 80% chance the Bank raises rates, after Governor Macklem flagged higher inflation forecasts on the weekend. BMO, RBC and Desjardins have all changed their calls to a hike. Nobody knows for sure until Wednesday — markets have been wrong before. But if you're thinking about buying, or your mortgage is coming up for renewal, this is exactly what a rate hold is for.

10/21/2026

10/18/2026

📉 Good news for variable-rate mortgage holders!

Markets are now expecting the Bank of Canada to hold rates for the rest of 2026, with increases pushed into 2027.

The interesting part? Even if rates increase by the full 1% currently forecast for 2027, that would only bring many variable mortgage rates in line with today’s 5-year fixed rates.

Something worth considering if you’re renewing or choosing between fixed and variable!

10/05/2026

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09/05/2026

At the Royal Lepage Anchor - School Supply Drive to drop off our $200 donation!

09/01/2026

All 35 economists surveyed by Reuters in their latest poll expect the Bank to hold the rate tomorrow.

A variable rate mortgage is an attractive option as we see fixed rates increasing due to high energy prices impacting Canada's bond yields.

DM if you ever want to know more, or to see how much you could save with a variable rate mortgage.