Annie Ng-Your Mortgage Solution

06/05/2026

Fun fact about Canada that may impress you .
Canada is not only forest and snow but there is a desert located in BC.

06/02/2026

Preparation is more important than timing. Talk to me and find out your affordability and options.

05/22/2026

Fun Fact Friday: Do you know the highest mortgage rate in Canadian history was 21.75% for a 5 year fixed mortgage in 1981?

05/15/2026

Will you consider to buy a corner property?

05/12/2026

If you are looking for your home sweet home, consolidation, equity financing, why not working with a licensed professional mortgage agent ? A agent/broker helps to explore your options.

04/29/2026

As expected, the Bank of Canada has maintained the policy rate at 2.25%.

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.

04/13/2026

New to Canada and dreaming of owning your first home? 🏡 Even if your credit score isn’t established yet, there are options to help you make it happen! Send me a message today and let’s get you closer to your new home

04/03/2026

Wishing you a happy Easter weekend

03/26/2026

You think you can't qualify because you are self-employed ? You still have options. Reach out to me to explore more.

The Ford and Carney governments are planning to extend the 13 per cent HST break to all buyers of newly built properties in Ontario.

03/17/2026

📊 Canada’s Interest Rate History — What Does It Really Tell Us?

Many people feel today’s interest rates are “high”… but are they really?

If we look at the long-term trend from the Bank of Canada:

• In the 1980s, rates were over 20% 😳
• From 2008–2020, rates stayed unusually low (around 0–2%)
• Today, rates are sitting at a more “normal” level historically

Major events like the Global Financial Crisis and COVID-19 pushed rates to record lows—but that period was the exception, not the rule.

💡 Key Takeaway:
What feels “high” today is actually closer to historical averages.

Interest rates move in cycles—and understanding that can help you make smarter real estate decisions.

📩 Have questions about how this affects your mortgage? Let’s chat.