Barry Johnson - Mortgage Broker

Barry Johnson - Mortgage Broker As a Mortgage Broker with MA I am able to access over 50 lenders to find the most competitive mortgage for your needs. Everyone has different needs!!

As no two people are alike, neither are two mortgages.

Happy Labour Day!Here’s to the hard work, dedication, and everyday efforts that help build our families, businesses, and...
09/07/2026

Happy Labour Day!

Here’s to the hard work, dedication, and everyday efforts that help build our families, businesses, and communities.

Wishing you a safe and happy Labour Day! 🍁

Morning coffee hits different in your own kitchen. ☕There’s something special about having a space that feels completely...
09/05/2026

Morning coffee hits different in your own kitchen. ☕

There’s something special about having a space that feels completely yours. Your favourite mug, your own routine, and a kitchen that starts to feel like home.

Sometimes, it’s the little everyday moments that make the idea of homeownership worth it.

09/04/2026

Back-to-School Survival Pack Giveaway! ☕✨
We’ve updated the ultimate back-to-school boost, featuring awesome local talent and a Wiarton road-trip experience!

How to Enter:

Like this post.

Follow/Like all four host pages: Daryl Johnson Mortgage Agent Level 2 , Blane Johnson - Sales Representative - Chestnut Park Real Estate, Ashanti Café & Taylor Gallery, Northern Life Manufacturing Co.
Tag a parent, teacher, or friend who needs a back-to-school pick-me-up in the comments! (Note: Only comments on the original host post will count as entries.)

What’s Inside the Survival Pack

Hydration & Fuel on the Go:
Two custom insulated tumblers, produced by the amazingly talented Jordon Detlor at Northern Life Manufacturing Co. ! They’ll be washed and ready for pick-up and immediate use on September 12th.

The Ashanti Experience:
Gary has generously donated a bag of their incredible coffee beans to take home. Since your there why not fill the tumbler up and grab a house made great while your there. *Try the peanut butter square🤤

Local Mystery Treat:
A gift card courtesy of Blane Johnson Realtor for one of his absolute favorite spots on the Peninsula (we're keeping the exact location a mystery!).

Contest Details
📅 Deadline: Contest closes Thursday, September 10th at 11:59 PM.

🏆 Winner Announcement: The winner will be chosen at random and announced on Friday, September 11th (just in time to grab your tumblers on Sept 12th!).

📍 Eligibility: Open to local residents aged 18+. Prize must be picked up.

(This promotion is in no way sponsored, endorsed, administered by, or associated with Meta/Facebook.)

📊 What's Happening with Mortgages in Ontario Right NowIf you own a home or want to buy one in Ontario, the week of Augus...
09/04/2026

📊 What's Happening with Mortgages in Ontario Right Now
If you own a home or want to buy one in Ontario, the week of August 28 to September 4, 2026, brought some big changes. Even though the main bank decided to pause its rates, other costs are going up.

Here is what is happening and what it means for your money. 👇

🛑 1. The Big Bank Takes a Break
- On September 2, 2026, the Bank of Canada decided to keep its main interest rate exactly the same at 2.25%. This is the seventh time in a row they have kept it the same.

-Variable Rates Stay the Same: The basic bank rate stays at 4.45%. If you have a mortgage where the monthly payment changes with the bank, your cost will stay the same for now.

- A Weird Switch: Right now, variable rates (rates that can change) are actually cheaper than fixed rates (rates that stay locked in). This is rare, and it will likely stay this way for the rest of 2026.

📈 2. Fixed Rates Are Going Up
- Even though the big bank took a break, the bond market did not. Because of money troubles around the world and trade arguments with the U.S., Canadian bond costs have jumped.

- Banks Are Charging More: Fixed mortgage rates are tied to these bonds. Because bond costs went up, at least 17 Canadian banks raised their fixed rates over the last two weeks.

- Crossing the 4% Line: The very best fixed rates are around 3.94%, but most regular banks are pushing their rates up above 4.00% now.

💡 The Plan: What You Should Do
- We are entering a strange fall market. The big bank is resting, but regular mortgage costs are still climbing.

- If your mortgage ends soon: Do not wait to see if rates drop. Lock in a rate with your bank today. This protects you in case banks raise prices again soon.

- The Big Choice: Since variable rates are cheaper than fixed rates right now, picking a variable rate or a short 2-year fixed rate might be a smart move. That way, you do not get stuck with a high price for too long.

📌 Local Spotlight: Homes in Grey and Bruce Counties
- The house market near us in Grey and Bruce counties is doing much better than the big city of Toronto. If you want to buy or sell a home in Owen Sound, Saugeen Shores, or West Grey, here is the truth:

- Lots of Homes to Choose From: There are plenty of houses for sale right now. In West Grey, there are enough homes to last for almost 10 months! Buyers have lots of time to look around.
Prices are Steady: The average house price in our area is between $500,000 and $580,000. Prices are staying flat and steady instead of jumping up or down.

- Room to Bargain: Houses are selling for a little bit less than the price on the tag—usually about 96% to 97% of the asking price. Sellers often have to lower their price a bit to make a deal.

- The Main Point: If you are buying a home here, you have a great chance to pick a nice house and get a good deal. If you are selling, you need to pick a fair price and make your house look beautiful so buyers notice it.

If you are planning a move or a renewal, let me know:

Are you buying a new home or renewing an old mortgage?
Do you prefer the safety of a fixed payment or the potential savings of a variable rate?

I can help you map out your exact next steps.

🏡 Your Mortgage Can Be More Than a Monthly PaymentBuilding home equity doesn’t happen overnight.But with each mortgage p...
09/04/2026

🏡 Your Mortgage Can Be More Than a Monthly Payment

Building home equity doesn’t happen overnight.

But with each mortgage payment, you’re generally paying down part of your mortgage balance, which can increase the amount of your home you actually own over time.

📈 Equity can build gradually
💰 Your mortgage balance can decrease
🏡 Your ownership stake can grow

Of course, home values can rise or fall with market conditions, so equity growth isn’t guaranteed. But for many homeowners, building equity is a long-term strategy, not a quick win.

The key?

Start early. Stay consistent. Think long term.

The decisions you make today can help create a stronger financial foundation for tomorrow.

If you’re thinking about buying a home or wondering how your current mortgage fits into your long-term financial goals, let’s talk.

📲 Call 519-538-6772 or send us a DM.

The Bank of Canada has held its policy rate at 2.25%, with inflation still around 3% and economic uncertainty remaining ...
09/02/2026

The Bank of Canada has held its policy rate at 2.25%, with inflation still around 3% and economic uncertainty remaining high.

So what does that mean for you? Variable-rate mortgage holders won’t see a rate change from today’s decision, while buyers and homeowners can continue planning with the current rate environment in mind.

💰 How Much Can You Actually Afford?Your borrowing power is about more than your income.When determining how much you may...
09/01/2026

💰 How Much Can You Actually Afford?

Your borrowing power is about more than your income.

When determining how much you may qualify for, lenders look at the whole financial picture, including:

💼 Income
💳 Credit history
📉 Existing debts
🏡 Monthly expenses
💰 Down payment
📊 Overall financial position

Two people with the same income can have very different borrowing power depending on what else is happening in their finances.

That’s why it’s important to understand your numbers before you start shopping.

Knowing your potential budget ahead of time can help you:

✅ Shop with confidence
✅ Set realistic expectations
✅ Avoid surprises
✅ Make smarter decisions
✅ Understand what you may be able to afford

The goal isn’t to borrow the maximum amount possible. It’s to find a mortgage that makes sense for your life and your financial goals.

🏡 Thinking about buying? Let’s look at the numbers before you fall in love with the house.

📲 Call 519-538-6772 or send us a DM.

🏡 Ready for a Fresh Start?Sometimes a new chapter starts with a new address.Maybe you need more space.Maybe you’re ready...
08/31/2026

🏡 Ready for a Fresh Start?

Sometimes a new chapter starts with a new address.

Maybe you need more space.
Maybe you’re ready for a new neighbourhood.
Maybe your current home simply doesn’t fit the life you’re building anymore.

Whatever is motivating the move, the right home can give you a fresh start and a place that better fits where you are today—and where you’re headed next.

✨ New space.
📍 New surroundings.
🏡 New possibilities.
🌱 A new chapter.

Ready to turn the page?

Before you start scrolling through listings, let’s make sure your mortgage plan is ready too.

📲 Call 519-538-6772 or send us a DM. Let’s talk about what your next chapter could look like.

September 2: What Will the Bank of Canada Do?Canada's inflation rate just hit 3.0%.That sounds scary.But there's more to...
08/31/2026

September 2: What Will the Bank of Canada Do?

Canada's inflation rate just hit 3.0%.

That sounds scary.

But there's more to the story. 👇

A big part of July's increase came from higher gasoline prices and other temporary factors.

When we look underneath the headline number, things look much calmer:

• CPI-trim: 1.9%
• CPI-median: 2.0%
• Inflation excluding gasoline: 2.2%

In other words, the inflation numbers the Bank of Canada watches closely are still sitting around its 2% target.

So what do I think happens on September 2?

My prediction: HOLD. 🏦

I expect the Bank of Canada to leave its overnight rate at 2.25%.

Why?

The recent jump in inflation appears to be driven more by energy and other temporary factors than by broad-based inflation.

The economy is also showing some signs of improvement, but there are still plenty of risks: trade uncertainty, tariffs, consumer weakness and a soft housing market.

Several economists are also expecting the Bank to stay on hold through the rest of 2026.

But here's the important part for homeowners:

A rate hold doesn't mean mortgage rates can't move.

Fixed mortgage rates are influenced heavily by bond yields, while variable mortgage rates are tied more closely to the Bank of Canada's policy rate.

So whether you're renewing soon, considering a fixed or variable mortgage, or simply wondering what all this means for your payment…

Don't try to predict the market. Have a plan.

👇 What's your prediction for September 2?

HOLD
CUT
HIKE

Drop your prediction in the comments.

And if you're within 1–2 years of renewing, let's look at your options before you have to make a decision.

📞 519-538-6772
📩 Send me a DM

This is my market outlook, not a guarantee. The Bank of Canada makes its decision based on the data available at the time.

🏡 More Space. More Possibilities.Sometimes, buying a home isn’t just about having more square footage.It’s about having ...
08/31/2026

🏡 More Space. More Possibilities.

Sometimes, buying a home isn’t just about having more square footage.

It’s about having the space to live the life you want.

👨‍👩‍👧‍👦 Room for a growing family
💻 A dedicated home office
🏋️ Space for a gym or hobbies
🌳 More room to entertain
🛋️ Or simply… a little more breathing room

As life changes, your home may need to change with it.

The right home should not only work for where you are today—it should give you room to grow into where you’re headed next.

If you’re wondering whether moving into a larger home could fit your lifestyle and your budget, let’s talk about your options before you start shopping.

📲 Call 519-538-6772 or send us a DM. Let’s see what’s possible.

Address

32 Sykes Street PO Box 3212
Meaford, ON
N4L1V7

Website

Alerts

Be the first to know and let us send you an email when Barry Johnson - Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category