Ryan MacEwan - TMG The Mortgage Group

04/29/2026

The Bank of Canada has decided to keep its key interest rate at 2.25% today, just as many expected. 📊

While inflation is easing, there’s still a bit of uncertainty in the air. Global factors like geopolitical tensions and rising oil prices are keeping inflation steady, and we’re noticing slower growth right here at home.

What does this mean for you?
👉 No immediate changes to borrowing costs
👉 Variable-rate mortgages and lines of credit remain unchanged

Looking ahead, many economists predict that rates will stay steady for now—but this could change based on new developments.

Even in this “steady rate” environment, there might be opportunities to enhance your mortgage strategy. A quick review could really make a difference!

Connect with me today to discuss your situation and ensure you're in the best possible position! 👍

Ryan MacEwan
(306) 220-7666
[email protected]

11/28/2025

If you are a first time home buyer, come check out some helpful tips! :)

🎄🏡 Ready to unwrap your first home?
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Our FREE First-Time Home Buyer Webinar is happening THIS Wednesday, December 3rd at 7:00 PM with Ryan MacEwan - TMG The Mortgage Group and myself, Andy Goddard (A&C Realty).
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We’ll break down everything you need to know to make your home-buying journey feel merry and bright — 🎁 how to get pre-approved, 🎄 the step-by-step buying process, ⚠️ common mistakes to avoid, and 🎅 a live Q&A to answer all your questions.
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Whether you're hoping to make “new home” part of your holiday wish list or planning ahead for the new year, this is the perfect place to start!
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👉 Click to register: https://webinar.andygoddardrealty.ca
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Let’s make your homeownership dreams shine this season! ✨🏠
📣"Making Your Next Move, Your Best Move"
📱 (639) 525-0230
🖱 AndyGoddardRealty.ca
📅Book a call: https://calendly.com/andygoddardrealtor
📧 [email protected]

09/18/2025

More good news from the Bank of Canada with another 0.25% rate drop to the overnight rate. Heard the BoC update and wondering about fixed rates? BoC moves variable rates through Prime.
Fixed rates usually follow the 5-year Canada bond. The BoC can influence it, but it doesn’t flip the switch.

Want peace of mind? I can lock a no-cost 120-day rate hold today, and we can review your options. Give me a call for all your mortgage options! :)

Ryan MacEwan - TMG The Mortgage Group #510962
(306) 220-7666
[email protected]

07/30/2025

The Bank of Canada has left its overnight target rate unchanged at 2.75%. Despite some economic pressure to lower that rate, worry from the tariff situation in the U.S. and stubborn core inflationary numbers have prompted the decision to hold at this time. The next BOC announcement is set for Sept. 17. There has been chatter that we may still see up to 2 rate drops still in 2025, time will tell. Please give me a call at any time for mortgage help. :)

Ryan MacEwan - TMG The Mortgage Group #510962
(306) 220-7666
[email protected]

02/17/2025

With all our lives packed full of hustle and bustle, today is the day to take a breath, give your loved ones an extra special long hug, and enjoy the day with those closest to you. Happy Family Day from my family to yours. 👨‍👩‍👦‍👦🥰❤️

Ryan MacEwan - TMG The Mortgage Group
(306) 220-7666
[email protected]

01/29/2025

We love starting off 2025 with a rate drop! The Bank of Canada has lowered their overnight rate by 0.25%. This means all you variable rate mortgage holders get another big win as your rates will go down and your payments will drop by just over $14 per $100,000 of your mortgage balance.

Variable rates are normally priced below fixed rates and we are starting to see them returning to this trend. A variable rate may be a great choice for your mortgage, give me a call to chat on your options!

Ryan MacEwan - TMG The Mortgage Group
(306) 220-7666
[email protected]

12/24/2024

Wishing all our friends and family a safe and happy holiday season. From my family to yours, Merry Christmas and Happy New Year! 🥰

Ryan MacEwan - TMG The Mortgage Group

09/04/2024

Great News, Great News, Great News for our variable rate mortgage holders! Have a peek at this chart to see what the 0.25% rate cut actually means in terms of your mortgage payment. Spoiler alert....its about $15 per $100,000 of mortgage amount.
Let me know if you would like any additional info on this! 🙂

Ryan MacEwan - TMG The Mortgage Group
(306) 220-7666
[email protected]

06/06/2024

Now down to the brass tacks, what does this Bank of Canada rate cut actually mean for our variable rate mortgage holders. Have a peek at this chart to see what the 0.25% rate cut actually means in terms of your mortgage payment. Spoiler alert....its about $15 per $100,000 of mortgage amount.

Let me know if you would like any additional info on this! :)

Ryan MacEwan - TMG The Mortgage Group
(306) 220-7666
[email protected]

06/06/2024

Out of the darkness, we see the light!! For the first time in 4 years we see the Bank of Canada announce a rate cut. This is great news and fingers crossed a sign of things to come. Now the big topic is WHAT DOES THIS MEAN? Unfortunately it doesn't mean that your fixed rate will be adjusted down 0.25%. This bank of Canada rate change is a change to the Bank of Canada policy rate. This rate affects the PRIME rate, which in turn will lower the rate for variable rate mortgage holders. Fixed rate mortgages are correlated more to the Canadian Bond market, which saw a slight downturn with the announcement but not really enough to move the needle on fixed rates quite yet. We are anticipating that this will be a little bit of a trickle effect on fixed rates and we may see these work their way slightly down over the summer and rest of the year. Stay tuned folks, dare I say I think we may start to see rates start to normalize as we move forward. :) Please give me a call and let's have a chat if you would like some more info on this.

Ryan MacEwan - TMG The Mortgage Group
(306) 220-7666
[email protected]