Ryan Boughen - Regina Mortgage Broker

08/15/2026

Renewal Is Your Legal Right to Shop Around

When your mortgage term ends, you are not obligated to stay with your current lender. You can move your mortgage to an entirely different lender without penalty because you’re not breaking your term early. This is one of the few moments in homeownership where you have significant leverage, and most people don’t use it.
https://www.ryanboughen.ca/renewing-your-mortgage-dont-just-sign-what-the-bank-sends-you/

BEST REGINA MORTGAGE BROKER

08/04/2026

What Waiting to Buy a New Home Actually Costs

Let’s say you’re looking at a $400,000 home in Regina today (2026). You decide to wait 12 months, hoping for lower rates or a larger down payment. In the meantime, you’re paying $1,800 a month in rent. That’s $21,600 spent on housing without building any ownership in an asset.

Learn More: https://www.ryanboughen.ca/the-true-cost-of-waiting-to-buy-in-saskatchewan/

BEST REGINA MORTGAGE BROKER

If you’re looking for a trusted, experienced, and knowledgeable Regina mortgage broker to help a first-time home buyer, I am here to help. No matter what stage you are in the mortgage process, I can assist you in securing financing to get the home of your dreams. I

06/12/2026

Mortgage Renewal Risks and Refinancing Opportunities

Renewal might feel like a routine step, but it is actually one of the most important financial decision points during homeownership. Done well, it can improve your financial position. Done without review, it can cost you thousands over time.

https://www.ryanboughen.ca/mortgage-renewal-risks-and-refinancing-opportunities/

BEST REGINA MORTGAGE BROKER

06/11/2026

What Your Lender Actually Sees When You Apply For A Mortgage

In my latest article I explain how most people walk into a mortgage application thinking their credit score tells the whole story. It matters, but it’s only one piece of a much bigger picture. Understanding what lenders are actually evaluating when you apply for a mortgage can mean the difference between a smooth approval and a frustrating surprise at the finish line.

BEST REGINA MORTGAGE BROKER

Cell: 306.570.3379 - Providing Mortgage Advice You Can Trust to Regina, Saskatoon, Saskatchewan, and

06/03/2026

Do You Have Suite Dreams??

In my latest post, I explain whether you’re a first-time buyer trying to offset your mortgage, a homeowner thinking about adding rental income, or an investor building long-term wealth; secondary suites are one of the smartest moves you can make in today’s market. And the good news? Financing one is a lot more accessible than most people think.

BEST REGINA MORTGAGE BROKER
https://www.ryanboughen.ca
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05/31/2026

Hidden Costs of Homeownership in Saskatchewan

Many homeowners are surprised by the additional expenses that show up after possession, especially during the first few years. Understanding these costs ahead of time helps you budget realistically, avoid financial stress, and make confident long-term decisions.

https://www.ryanboughen.ca/do-you-know-the-hidden-costs-of-homeownership-in-saskatchewan

BEST REGINA MORTGAGE BROKER

05/15/2026

From Single Home to Second Property: Navigating Financing for a Rental or Vacation Home in Saskatchewan

Have you reached a point where they start thinking about a second property? For some, it is about building long-term wealth through rental real estate. For others, it is about owning a cabin or vacation home that becomes part of family life. While both paths can make sense, financing a second property is very different from buying a primary residence. Understanding those differences early helps avoid costly surprises.

https://www.ryanboughen.ca/ready-to-go-from-a-single-home-to-second-property

BEST REGINA MORTGAGE BROKER
https://www.ryanboughen.ca

If you’re looking for a trusted, experienced, and knowledgeable Regina mortgage broker to help a first-time home buyer, I am here to help. No matter what stage you are in the mortgage process, I can assist you in securing financing to get the home of your dreams. I

04/28/2026

FIND OUT THE SKINNY ON 2026 MORTGAGE RATES

Saskatchewan has historically been more stable than many other provinces, and that trend is expected to continue. Interest rates may ease, but buyers should not expect a return to ultra-low borrowing costs

https://www.ryanboughen.ca/buying-in-2026-what-saskatchewan-homebuyers-need-to-know-about-the-shifting-market/

BEST REGINA MORTGAGE BROKER
https://www.ryanboughen.ca

I'D LIKE... A mortgage to buy a home To Renew My Mortgage A Mortgage to pay off debt or invest RYAN BOUGHEN THE BEST REGINA MORTGAGE BROKER If you're looking for a trusted, experienced, and

04/20/2026

IT'S NOT ALL ABOUT RATE!!

When people start shopping for a mortgage, the conversation often begins and ends with one question. What is the rate? A lower rate feels like a clear win, and in some cases, it can be. But focusing only on the rate can lead to decisions that cost more over time. In many situations, working with an experienced mortgage broker delivers better long-term outcomes even if the rate is slightly higher.

https://www.ryanboughen.ca/even-if-the-rate-is-slightly-higher-working-with-a-mortgage-broker-can-be-better-long-term/

BEST REGINA MORTGAGE BROKER
https://www.ryanboughen.ca

I'D LIKE... A mortgage to buy a home To Renew My Mortgage A Mortgage to pay off debt or invest RYAN BOUGHEN THE BEST REGINA MORTGAGE BROKER If you're looking for a trusted, experienced, and

04/06/2026

DON'T SIGN AUTOMATICALLY!!

When a mortgage comes up for renewal, many homeowners in Saskatchewan default to the easiest option. Signing the renewal offer from the current lender feels simple, familiar, and often, the rate looks competitive. What many people do not realize is that even when the rate is the same, switching lenders at renewal through your mortgage broker can be a smart long-term move.

Learn more: https://www.ryanboughen.ca/switching-lenders-at-renewal

BEST REGINA MORTGAGE BROKER
https://www.ryanboughen.ca