Rateplicity Mortgage Corporation - TMG The Mortgage Group

09/04/2026

08/13/2026

When the bank says no, it doesn’t necessarily mean you’re out of options.

Whether it’s because of income, credit, property type, debt ratios, or simply not fitting traditional bank guidelines, there may be alternative financing solutions available.

For many Canadians, the right mortgage strategy starts with looking beyond the big banks

06/30/2026

Wishing everyone a happy and safe Canada Day.
Please note, our offices will be closed on July 1st, and open with limited staff July 2-4.

04/29/2026

The Bank of Canada held its policy rate at 2.25% again today. This is now another hold (third in a row in 2026) -January, March, and now April after a series of cuts last year.

04/20/2026

Canada is in the middle of a record wave of mortgage renewals, with over one million mortgages set to be renegotiated in 2026 alone. At the same time, global uncertainty is bringing renewed focus to a familiar question: fixed or variable?

02/02/2026

The Bank of Canada (BoC) held its policy interest rate steady at 2.25% on January 28, 2026, marking the second consecutive pause following a series of cuts in 2025.

01/13/2026

As we move into the new year, I’d like to wish you a happy, healthy, and successful year ahead. I look forward to helping you navigate your goals in 2026.

12/08/2025

Budget 2025 brings several updates that could affect homeowners, buyers, and anyone planning a renovation this year. Some programs are ending, others are shifting, and a few new measures may open up opportunities. Here’s a simple breakdown to help you stay informed.

10/30/2025

Another Rate Cut Yesterday: The Bank of Canada just lowered its key rate by 0.25% to 2.25% — the fifth cut since June 2024.

How this can impact you:
>Variable-rate mortgages: Expect lower payments once lenders adjust their prime rates (most to 4.45%, TD slightly higher at 4.60%).
>Fixed-rate mortgages: No immediate change, but bond yields could shift depending on market reaction.
>Lines of credit: Slightly lower borrowing costs as prime rates move down.

If you’d like to chat about how today’s rate cut could open up new options for you, I’d be happy to walk through what it means for your mortgage.