Carole Gibson - Gibson Home Finance

03/29/2026

It’s important to follow your mortgage agent’s guidance before closing. Any changes to your credit report or bank balances can affect your approval status. Large withdrawals, deposits, or transfers between accounts can raise red flags and will need to be explained with supporting documentation. Any new payments, assets, or liabilities can also impact your approval and should be discussed with your agent first.

03/27/2026

Closed, closed, closed, open. Elevate your experience from 2 star service and bankers hours to 5 star VIP service. (613) 986-4352

01/08/2026

More than just mortgages, we can discuss a long term plan and set some goals. Call me to discuss becoming mortgage free, lowering your monthly obligations, paying off debt, improving your credit, or accessing your home equity.

01/05/2026

Let's make a game plan for 2026. Give me a call to discuss your new mortgage, consolidation, or renewal so we can ensure 2026 is another step in the right direction. 613 986 4352

09/17/2025

The Bank of Canada DECREASED their overnight lending rate by .25%. This will decrease the prime rate from 4.95% to 4.70% and will affect variable rates mortgages and line of credits.

The next announcement is Oct 29th!

07/30/2025

As expected, the Bank of Canada has maintained their overnight rate, which means the prime rate is maintained at 4.95%

That leaves 3 more rate announcements for 2025!

07/18/2025

What the big banks are predicting until the end of 2026!

New Bank of Canada rate forecasts are in:
🔹 RBC expects no more cuts—holding at 2.75% through 2026, the most hawkish outlook.
🔹 Scotiabank revises its call lower to 2.50% (from 2.75%).
🔹 BMO Financial Group remains the most dovish, forecasting 2.00% by early 2026.
🔹 TD, CIBC & National Bank all see a 2.25% terminal rate

Read more: https://bit.ly/3TOnyJI

06/04/2025

As expected, The Bank of Canada holds the over night lending rate today.

🚨 BREAKING: As expected, the Bank of Canada holds its key interest rate at 2.75%, citing "uncertainty about US tariffs still high, the Canadian economy softer but not sharply weaker, and some unexpected firmness in recent inflation data..."

05/24/2025

On Thursday, I had the pleasure of attending the second annual Women’s Day hosted by First National. It was truly inspiring being surrounded by so many successful women and listening to all of the speakers.

I was asked to be one of the brokers on the brokers panel. After much hesitation, I said yes! This was really out of my comfort zone but once it was done, I am so glad I did it. I sat next to 3 other brokers who have been in the industry for over 10 years and it was such an honour.

Thank you so much Bonnie and Andrea for putting on such an amazing event and for asking me to be part of it.

05/08/2025

Even though 2025 is off to a wild start, I wanted to take a moment to reflect on 2024.

In 2024, I achieved the Gold Funding Award.

This was a goal of mine that I never thought possible. However, this award would not have been possible without all of my amazing clients. I have met so many people along the way and it brings me so much joy watching their journey unfold from buying their first home to watching their families grow. Or working with them to attain their “home goals”. Not every file is easy, but I am honoured to work with every client.

To my past, present and future clients; Thank You!!! 🥰

03/26/2025

Interesting to see what the big banks are predicting for 2025.

The big banks are divided on how much the Bank of Canada will cut its policy rate this year and next. Scotiabank stands out, calling an end to cuts and holding at 2.75% through 2026. Others see the rate falling to 2.25% or even 2.00%.