AMCO Financial Inc

04/27/2026

Resilient growth and contained inflation pressures suggest the Bank of Canada is more likely to ease than tighten if it moves, according to a TD economist.

03/20/2026

Toronto home prices down...history suggests the correction might not be over

GTA home prices are down more than 24% from their 2022 peak, but history suggests the correction could take years to fully play out.

03/01/2026

Canada is entering a major mortgage-renewal cycle, and research by the Canada Mortgage and Housing Corporation (CMHC), using Equifax data, shows mortgage arrears (loans 90+ days overdue) are rising modestly from post-pandemic lows and are expected to keep increasing into 2026, especially in Toronto and, more gradually, Vancouver, although still below past downturn levels. Over 1.5 million households have already renewed at higher rates and another ~1 million will soon, with pandemic-era buyers most vulnerable as payment shocks squeeze budgets and savings, even while many borrowers extend amortizations to cope and overall delinquency remains historically subdued

Dm if you’d like a review or have questions regarding your upcoming renewal, refinance, or purchase
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02/08/2026

Turning 40 this year? (Or already there?) 🎂

Here’s a question I get a lot: « Am I on track? »

The common benchmark: 3x your income saved by 40 (Fidelity Canada).

The reality? Most Canadians at 40 have around $71,000 saved.

If that gap feels overwhelming, here’s what I remind clients:

1️⃣ Your 40s are typically your peak earning years. Use raises strategically.

2️⃣ If you start seriously at 40, saving 18% of income can still get you there.

3️⃣ Waiting until 50 means needing 42% of income. That’s the real cost of delay.

Benchmarks are guides, not judgments. Everyone’s journey looks different. What matters is starting where you are and building momentum.

What’s one savings habit that’s worked for you?

amcofinancial

02/08/2026

YOUR INSURANCE REVIEW: FIVE QUESTIONS TO ASK YOURSELF (AND YOUR ADVISOR)

Life insurance was a good idea when you bought it. Now, five, 10, 15, or more years after you made that first decision, your insurance review is an opportunity to take fresh stock of the people, places, and things that matter most. Life evolves. And so should your insurance plan.

1. Do I have enough insurance to pay my current debts and ensure any commitments I’ve made (such as education plans for children or grandchildren) are secure?

2. Should I renew my term life insurance or are the benefits of a permanent life policy while I’m alive a better fit for my current financial profile? Does it make sense to own both?

3. What commitments have I made to my partners and my staff if I die before my planned retirement? What if I become sick, injured, or disabled?

4. Does my estate plan cover higher capital gains tax rates ? Can life insurance also be a cost-effective solution for preserving more of my assets (and the cottage) for my heirs?

5. Do I need critical illness or disability insurance? What are the financial implications for my dependents if I can’t work for a year or more?

02/08/2026

Have questions about your investments, ready to purchase your first home, we can assist you, your family or business owner with these challenges

DM for enquires or call 289.748.1864

02/06/2026

Preparing for Renovation Season? If renovations are on your wish list this spring, the ideal time to plan is before contractors become fully booked and costs start to rise. A brief conversation can provide valuable insights into what’s feasible within your budget and timeline.

01/30/2026

From « just looking » to « just bought »
With the right plan, guidance, and financing, that dream home can become a reality sooner than you think.
If you’re in the just looking phase, let’s talk about how to get you to just bought. Contact me today… ☎️ 289.748.1864

01/09/2026

Economists at Canada’s biggest banks are calling on Prime Minister Mark Carney to reform taxes, arguing his latest budget investments won’t meaningfully move the needle on competitiveness.

12/19/2025

Surprised by Extra Mortgage Fees? You’re Not Alone!

Buying a home in the GTA is exciting, but have you ever felt blindsided by costs you didn’t see coming? Many homebuyers discover unexpected fees during the mortgage process—things like appraisal charges, lender fees, and insurance add-ons that aren’t always clear upfront. Our latest blog breaks down these hidden costs and shares practical ways to spot them before they catch you off guard.

Have you ever faced an unexpected expense when buying a home? Share your experience or tips below!

Discover proven strategies for uncovering and avoiding hidden costs in mortgage brokerage. Make informed home financing decisions in the Greater Toronto Area with guidance from AMCO Financial.