Sarah Colucci, Residential Mortgage Expert

08/23/2026

On July 20, President Donald Trump signed three proclamations under Section 338 of the U.S. Tariff Act of 1930. The measures imposed an additional 50% duty on listed Canadian goods. The proclamations were framed around alcoholic beverages, dairy and motor vehicles, while the annexes extended across numerous tariff lines.

On August 18, the White House temporarily suspended the duties until the end of August 21 while negotiators worked toward an agreement. Prime Minister Mark Carney said Canada and the United States had made “substantial progress,” but also warned that “important work” remained.

No final agreement was completed before the suspension expired. The duties therefore came into force at 12:01 a.m. on August 22.

Read more: https://www.coluccimortgages.com/blog/trump-50-tariffs-canada-mortgage-rates

Sarah Colucci, Mortgage Agent Level 2
Sherwood Mortgage Group, Broker 12176
Direct: (647) 773-4849

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Trump's 50% tariffs on specified Canadian goods are now in effect. See how the trade shock could affect Canada's dollar, housing and mortgage rates.

08/15/2026

Today’s case: Generation Rent vs. the Government of Canada.

Canada spent billions on housing policy while homeownership moved further out of reach for an entire generation. So I’m putting the record on trial.

What was promised? How much did taxpayers actually spend? What was delivered? Who benefited? And who should be held accountable?

From federal housing programs and CMHC financing to the growing divide between homeowners and renters, I’m following the money and comparing the promise against the result.

My verdict: Canada didn’t simply develop a housing crisis. Government policy helped create a system increasingly built around rentership while ownership became harder to reach.

The government presents its defence.
The numbers become the evidence.
You’re the jury.

Today’s case: Generation Rent vs. the Government of Canada.Canada...

08/10/2026

Inflation is a risk — particularly if energy prices rise. The Bank of Canada has a mandate to control inflation. The correct tool when inflation rises is to raise rates.

But raising rates slows an economy by increasing the cost of borrowing for businesses and households. That works fine in an economy growing at 3%. It's dangerous in an economy that is shrinking, losing manufacturing jobs, and watching capital flee.

Canada has regulated itself into a position where the inflation-fighting tool the Bank of Canada needs is also the tool that could tip the economy into recession. The Bank is paralyzed — not by external forces, not by tariffs, not by global bad luck — but by policy choices made in Ottawa.

And the people who benefit from that paralysis are not you and me. They are the incumbents — the large, established players who benefit from regulatory barriers that keep competitors out. The Competition Bureau reforms were sold as pro-consumer. What they've actually done is made it harder for any business to operate, merge, or grow. The people who were already at the top don't need to merge. They're already big enough. The reforms protect them while making it harder for challengers to compete.

Sarah Colucci, Mortgage Agent Level 2
Sherwood Mortgage Group, Broker 12176
Direct: (647) 773-4849

Read more: https://www.coluccimortgages.com/blog/bank-of-canada-rate-hike-trap-canada-regulation-2026

The Bank of Canada wants to raise rates to fight inflation. But Canada's economy is too weak, too regulated, and too starved of investment to absorb a hike. Meanwhile the U.S. is cutting red tape and…

07/21/2026

A private mortgage should solve today’s problem—not create tomorrow’s.

Life happens. Credit changes. Income fluctuates. Sometimes a bank or traditional lender is not an option, and private financing becomes the solution that gets a borrower through a difficult period.

But private lending should not be the finish line.

My Private to Prime Program is designed to provide both the financing you need today and a clear strategy to help you return to prime lending.

The plan may include:

✔️ Understanding why prime financing is not currently available
✔️ Setting clear credit, income, debt and equity targets
✔️ Reviewing your progress
✔️ Preparing for a future bank or prime-lender application
✔️ Reducing long-term interest costs when the time is right

This is more than arranging a mortgage. It is about building an exit strategy.

Learn more:
https://www.coluccimortgages.com/private-to-prime-program

07/19/2026

Could the Bank of Canada Raise Interest Rates Again?

Most people believe rate hikes are over...

I'm not so sure.

I analyzed inflation, employment, GDP, bond markets, energy prices, and Bank of Canada policy to estimate the probability of another rate increase.

If you have:
✅ A mortgage
✅ A renewal coming up
✅ Variable-rate debt
✅ Plans to buy a home
..this is worth reading.

👇 Read the full article:
https://www.coluccimortgages.com/blog/bank-of-canada-rate-hike-probability-2026

What do you think—are rates heading higher, or is the Bank finished tightening?

07/14/2026

The Bank of Canada decides Wednesday — a hold at 2.25% is expected. But here’s what nobody’s telling you: the conversation among economists has flipped from “when do rates fall” to “when do rates RISE.” 📈 Inflation is at 3.2% and some big banks now predict hikes before year-end, while others say nothing until 2028.

If your renewal is coming up in 2026–27, your term choice right now decides which forecast you’re betting on. Let’s talk before the announcement. ☎ 647-773-4849

07/13/2026

🇨🇦 Canada's Economic Reorder: What It Could Mean for Homeowners, Investors & Businesses

Canada's economic landscape is changing.

The federal government's decision to shift trade relationships, reduce immigration, and "reorder" the economy raises some important questions:

• What happens if Canada becomes less dependent on the U.S.?
• Will slowing population growth affect the housing market?
• Are Toronto and Vancouver facing a major correction?
• Could Canada be heading toward a prolonged economic slowdown?

In my latest article, I examine these trends and share four economic forecasts that I believe every homeowner, investor, and business owner should be watching.

Whether you agree or disagree, I'd love to hear your perspective.

📖 Read the full article here:
https://www.coluccimortgages.com/blog/canada-economic-reorder-immigration-carney-housing-crisis-july-2026

👇 Question for you:
Which issue concerns you the most over the next few years?

• Housing
• Cost of living
• Government debt
• Employment
• Trade with the U.S.

Let's discuss it respectfully in the comments.

07/08/2026

Three tankers were struck in the Strait of Hormuz on Tuesday. Oil jumped, Washington revoked its Iran oil arrangement, and the US 10-year Treasury yield broke above 4.5% for the first time since the ceasefire. If you’re wondering what a shipping lane 10,000 km away has to do with your mortgage — everything. Oil shocks feed inflation expectations, inflation expectations push bond yields, and bond yields set
Canadian fixed mortgage rates.

In today’s article I walk through the transmission chain, why 4.5% is the line traders were watching, and what it means if you’re deciding between fixed and variable or facing a 2026 renewal.

Facts confirmed, interpretation mine. Read it at www.coluccimortgages.com/blog — or if a rate decision can’t wait, call me: 647-773-4849.

07/06/2026

The trade deal behind $2 billion a day in Canada-US trade just missed its renewal deadline — and Toronto is more exposed than almost anywhere.

📉 What does that mean for mortgage rates, jobs, and home prices in the GTA? I broke it all down in my new article — link in comments / at www.coluccimortgages.com/blog.

Buying or renewing in 2026? Call me: (647) 773-4849

07/03/2026

Turned down everywhere? Your home still qualifies. 🏡

A self-employed client came to me after every bank said no on income ratios. We secured a private line of credit against their home equity — approved on the equity, not the paperwork. No GDS/TDS, fully open, up to 75% LTV.

📞 647-773-4849 · 🌐 coluccimortgages.com
Illustrative scenario. Promo conditions apply. O.A.C.