Rateplicity Mortgage Corporation - TMG The Mortgage Group

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.

11/11/2025

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.

10/23/2025

Don’t miss out on this awesome rate—connect with me today to learn more and take advantage of this limited-time offer!

10/10/2025

Happy Thanksgiving from all of us! We’re thankful for our wonderful clients, partners and staff. Please note: our office will be closed on Monday and will reopen the next day.

Enjoy your time with loved ones!

09/18/2025

📉 Bank of Canada Cuts Interest Rate by 0.25%!

What this mean:
✔️ Variable-rate mortgages – Your interest rate and monthly payments should drop soon as lenders lower their prime rates (most to 4.70%, TD to 4.85%).
✔️ Fixed-rate mortgages – No immediate change today, but bond markets may still influence rates ahead.
✔️ Lines of credit & other prime-based loans – Expect slightly lower borrowing costs.

📲 Send me a message to see how this affects your mortgage plans!