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Mortgages By Mia

CPA designated accountant & Mortgage Associate License #509769 Brokerage License #315872

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05/04/2026

Saskatchewan continues to remain in a sellers' market. The average price has increased 5.8% from last March. The province's months of inventory decreased to 3.0 months, the lowest inventory since March 2008.

In Saskatoon, March sales declined 4.7% yearly and Regina sales had a similar result with a decrease of 4.2%. Although yearly prices declined 3.7% in Regina, Saskatoon increased 13.2%.

Overall, the monthly unemployment rate decreased to 5.0% monthly. The largest employment declines for the month occurred in Other Services (-800), Public Administration (-600), Business, Building, & Other Support Services (-500). The
largest improvements were in Construction (1,900), Trade (1,700), Professional, Scientific, and Technical Services (+1,600).

Full-time employment increased by 1,200 jobs, while part-time employment increased by 4,600 jobs. The overall employment increased by 5,800 jobs.

04/29/2026

Good news for variable and adjustable mortgage holders this morning ~ the Bank of Canada kept its key interest rate at 2.25 per cent as expected.

The next scheduled date for announcing the overnight rate target is June 10, 2026.

04/02/2026

While headlines across Canada talk about uncertainty, volatility, and shifting markets, Saskatchewan continues to move differently.

Yes — sales are down slightly.
Yes — prices have adjusted modestly.

But look deeper…
We are still in a seller’s market.
Inventory remains tight.
And in cities like Saskatoon, supply is still extremely low.

This is what Saskatchewan has always done best — steady, resilient, and grounded.
We’re not the market making loud headlines…
We’re the one quietly holding strength while others swing.

From a numbers perspective, this is exactly the kind of market stability many buyers and homeowners underestimate.

There’s something to be said about a place that doesn’t chase hype — it builds value over time.

Saskatchewan really is the little engine that could… and it just keeps moving forward.
If you’re wondering what this means for your situation, reach out — I’ll walk you through it clearly.

03/18/2026

Bank of Canada holds rates, next interest rate announcement is April 29,2026

01/13/2026

📊 Saskatchewan Housing Market Update – 2025 Recap (by CKOM News)

2025 was the 2nd strongest year on record for Saskatchewan real estate with 16,218 homes sold — marking 30 straight months of above-average sales.

🏠 The headline? Demand stayed high… but inventory stayed painfully low.

Key highlights:
• December sales: 792 homes sold – up 3% from last year
• Active listings: Just 2,870 homes province-wide heading into 2026
• That’s nearly 50% below the 10-year average

💰 Prices remain strong:
• Saskatchewan benchmark: $359,000 – up 7% year-over-year
• Regina: $330,900 – up nearly 7% from last year
• Saskatoon: $417,700 – still 6% higher than Dec 2024

📉 Inventory pressure by city:
• Regina: inventory nearly 50% below normal
• Saskatoon: the tightest market in SK — just 2 months of supply

🔮 2026 Outlook:
Demand isn’t the problem. Supply is. Buyers will continue facing competition unless inventory improves.

If you’re thinking about buying, selling, or restructuring your mortgage this year — the earlier you plan, the more leverage you keep.

Smart strategy beats market timing. Always.

01/07/2026

Bank of Canada Rate Announcement
The Bank of Canada announces interest rate decisions eight times each year. In 2026, those dates are scheduled for January 28, March 18, April 29, June 10, July 15, September 2, October 28, and December 9. These announcements can influence variable rates, borrowing costs, and overall market sentiment. Staying informed helps you make confident, well timed financial decisions. If you want to understand how rate changes may affect your mortgage or plans, a quick conversation can go a long way.

12/29/2025

Equity For What Matters Most
Your home equity can do more than sit on paper. It can support education, renovations, downsizing or helping family get started. If you want to explore what is possible, let’s talk about strategic and responsible options.
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Apply online to get started today!
https://mortgagesbymia.ca/apply

12/26/2025

Home for the Holidays
Boxing Day is when everything slows down just enough to notice what matters most.

The best part of the holidays is not the gifts or the shopping. It is the people gathered around the table, the laughter in the kitchen and the comfort of being home.

Wherever you are this season, we hope it feels like home.

12/08/2025

December isn’t just year-end — it’s decision time.
If you’re self-employed and planning to buy a home in the next 12–24 months, the income you choose to claim this year can make or break your mortgage approval.
Before you file, finalize, or “write things down”…
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Stop. Breathe. Get strategic.
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A small shift now can save you stress later — higher approval chances, better rates, and fewer surprises.
If homeownership is on your radar for next year (or the one after), let’s map out exactly what your numbers need to look like.
Don’t guess. Don’t wing it.
Get a plan.
Start today.
Message me and let’s build your lending strategy before December closes the door.

10/29/2025

Bank of Canada cuts interest rates by 0.25%.

Address

506 Queen Street
Saskatoon, SK
S7K0M5

Website

http://mortgagesbymia.ca/

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