Kim Seifert - The Mortgage Firm

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Regina, SK
Kim Seifert - The Mortgage Firm

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Canadian Mortgage Tips, Housing Market Information. Residential and Commercial Mortgages There is a Mortgage for Everyone! Let's talk mortgages!

Every customer deserves the best care and service when purchasing or refinancing their home and/or business. I can place all types of mortgages including purchases, revenue properties, refinances, equity takeout's, debt consolidations, renewals, bruised credit, private lending options, foreclosures, CHIP mortgages, and mortgages for self employed. Being associated with a National Mortgage Firm we can complete residential and commercial mortgages across Canada. My services are FREE to the client as mortgage brokers get paid a finders fee from the lender. Only exception is if we need to work with private lenders that DO NOT pay finders fees. Since our business is built primarily through referrals from satisfied customers, your positive mortgage experience is essential! Your mortgage is a big decision and a powerful financial tool. We look forward to helping you achieve your financial and home ownership goals! Mortgage Associate 316147 / DLC - The Mortgage Firm 316454

10/29/2026

The Deputy Bank of Canada Governor on Canada's housing market....

"our forecast....... is subdued."

10/28/2026

The Bank of Canada increased its Overnight Target Rate by 25 bps to 2.50%, as expected.

This will directly affect Variable Rate Mortgages.

How the market reacts to this announcement will affect fixed rate mortgages.

10/28/2026

Municipal and provincial red tape is adding more costs to the price of a new home.

In some jurisdictions, red-tape is more than the value of materials and labour.

10/26/2026

Inflation hit 3.1% in September on rising fuel costs, while GDP flatlined in July and new U.S. tariffs took effect in August.

RBC economists say central banks no longer have the same patience for inflation and are willing to act preemptively, according to CBC News.

10/24/2026

Nearly one million Canadian homes needed major repairs in 2021, according to CMHC.

The Concern:
Many are among the country’s most affordable homes and could be lost as Canada struggles to add new supply.

The total represented 6.1% of Canada’s housing stock.

The proportion was substantially higher in Indigenous communities, at 36%, and in Nunavut, at 26%.

Among residents of subsidized housing, 9.4% lived in homes requiring major repairs.

10/20/2026

This is how Fixed Rates are created:

Canada Bond Yields plus a premium

Rule of thumb:
Lowest 5-yr fixed insured rate ≈ 2-week average 5-yr government bond yield + 0.7 to 1.0 pts.

The premium depends on mortgage type & each banks required margins.

10/19/2026

CMHC chief economist Mathieu Laberge sees the Bank of Canada holding rates through 2026.

With hikes potentially starting as early as Q1 or Q2 2027.

10/14/2026

RATE WATCH:

TD sees the Bank of Canada holding at 2.25% through 2028.

BMO expects no changes through 2027.

The other big banks forecast hikes.

October 28th Bank of Canada Rate Announcement has a 20% chance of a Rate hike...

10/14/2026

The majority of Canadian regions were in buyer's markets in September and the rest are quickly headed there.

10/14/2026

Canadian home prices fall 3% in September:

Canadian home prices fell 3% year over year in September, according to the RPS-Wahi House Price Index, with declines in Ontario and British Columbia offsetting gains in several other markets.

Hamilton recorded a 7% decline, followed by Toronto at 6% and Vancouver and Victoria at 5% each.

Prices were flat or higher in seven of the 13 metro markets tracked, led by Quebec City (+10%), Regina (+7%) and Montreal (+6%).

By property type, townhouse values fell 7% nationally and condo values declined 6%, compared with 2% declines for both detached and semi-detached homes.

Address

#201 – 1055 Park Street
Regina, SK
S4N5H4

Telephone

+13065334492

Website

https://kimseifert.ca/

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