Mortgage Architects lendinghand Ottawa

10/16/2025

Q3 housing report ,Ontario and key points the future

09/15/2025

04/16/2025

Boc rate no change this time and rate trends in the future

04/15/2025

Rate trends

04/07/2025

03/12/2025

Not surprised

02/18/2025

5 big banks cut fixed mortgage rates following bond yield drop call for more details 6138518807

02/11/2025

Forecasts from the country’s Big 6 banks are split on how much the BoC is likely to continue easing rates in the first quarter of 2025. BMO, Scotiabank, and TD anticipate just one quarter-point rate cut in either January or March, while RBC, CIBC, and National Bank expect a more significant 50 basis points of easing. For borrowers with variable-rate mortgages or HELOCs, a reduction in the BoC’s policy rate leads to a lower prime rate, reducing borrowing costs. For instance, a 25-basis-point (bps) cut in the policy rate typically translates to a roughly $12.50 reduction in monthly payments for every $100,000 in mortgage debt on a 25-year amortization. While the exact savings depend on the loan balance, this decrease can offer significant relief to homeowners with larger debts.

02/04/2025

Canada’s 5-year bond yield has fallen to its lowest level since June 2022, following fresh concerns over economic uncertainty and global trade tensions. Several lenders began cutting rates over the weekend, some by as much as 25 basis points (0.25%). Rate expert Ron Butler of Butler Mortgage told Canadian Mortgage Trends he expects further reductions, with insured rates dropping by 20–25 bps and conventional rates by up to 30 bps

01/29/2025

Prime rate has cut again call me for any questions of your mortgage

01/28/2025

Happy Chinese Newvyear, wish you all good luck in year of snake, contact me for any questions of the mortgage call 6138518807