Mortgage with Brad

11/03/2026

Coming up on November 5th is the Federal Budget 2026 announcement.

Following along with it, here are my predictions on what will appear in terms of the housing market:

💸 tools to combat fraud
🪙 supports and systems to help with affordability
🏠 recommendations around renting

I am always trying to stay resourceful, studying, and learning so I can show up as the best broker for my clients. Stay tuned - I will be providing a recap once it's announced.

11/02/2026

Ringing in festive season! 🌲🔔

As we close up all things spooky, we open the doors to all that is merry and bright. Not to mention, remembering our veterans and those who fought and served in the Canadian Armed Forces and the RCMP.

Here's what's happening in St. Thomas this month:

💃 Nov 5: Dancing with the Stars at CASO Station
🍞 Nov 8: Sourdough Bread Making Class at The Horton Farmers Market by Elle Chef
🌹Nov 11: Remembrance Day Service
🎄Nov 13: Light Up Talbot
🎅Nov 21: St Thomas Optimist Santa Claus Parade
🏡 Nov 23: Mortgages for the Self-Employed - hosted by yours truly at The Atrium

Let me know which ones you'll be attending!

Railway City Tourism City of St. Thomas

11/01/2026

Starting a business probably costs less than you think.

Ownr (a Canadian incorporation service) put together some numbers on this. They’re US figures, but they give you an idea of the ballpark. Most home-based businesses start somewhere around $2,000 to $5,000 USD, and plenty of people start for under $5,000.

The part people forget is runway. The start-up cost is only half the plan. The other half is how long you can keep going if business starts slower than you hoped.

Swipe through for what to plan for and a few ways to keep it lean. Your real costs will depend on your industry, so get actual quotes for yours.

Thinking about taking the leap? Comment START and I’ll send you a start-up cost worksheet.

And if you’re self-employed or about to be, I’m happy to talk through how mortgages work for you. No obligation either way.

10/31/2026

All month in November I'll be sharing tips, info and more about Entrepreneurship and mortgage for business ownership

10/30/2026

The Bank of Canada raised rates this week. The same week, its outlook said housing will add essentially nothing to national growth over the next two years.

Those two things can both be true. Borrowing costs are higher, but there was no boom to stop. BMO’s Benjamin Reitzes put it plainly: affordability is still stretched, and prices could keep drifting modestly lower.

What does that mean for you?

If you’re buying in St. Thomas or Elgin County, softer prices and higher borrowing costs pull in opposite directions. Your answer lives in your numbers, not in the headlines.

If you’re in a variable rate, this one lands closest to home. And if you’re renewing soon, the renewal letter is one offer, not the only one.

Not sure where you stand? Comment RATES and let’s connect. We’ll look at your numbers together and map out your options. No obligation either way.

Source: Canadian Mortgage Professional, Oct 30, 2026

10/30/2026

The times are crazy

The Bank of Canada raised rates the economy said umm nope not growing

I'm here to try and break it down

10/29/2026

A small message from the heart. 💙

10/29/2026

CIBC: Canadian households are handling mortgage renewals better than expected

A new CIBC report from Benjamin Tal and Katherine Judge found household credit quality is surprising on the upside a year into the renewal shock.

Going well

Credit scores are improving and early missed payments are easing.
Household debt growth is near a record low outside the pandemic.

Still a concern

Mortgages 90+ days behind keep climbing, and Ontario arrears are expected to worsen until mid-2027.
5% to 6% of mortgages saw payments jump more than 40% in 2026.

Looking ahead

CIBC expects renewal increases to ease from February 2027, depending on the job market.
The Bank of Canada’s recent hike adds pressure for stretched households.
If you’re renewing in the next year, start early, compare offers, and know your payment before the notice arrives.

Source: Canadian Mortgage Professional, Oct 28, 2026

10/29/2026

10/28/2026

What is Desjardins forecasting for the Bank of Canada prime rate in 2027 - and what does this mean for those seeking to buy a home in St. Thomas and Elgin County? 💭

Desjardins Group