Anthony Barone, Mortgage Specialist

06/05/2026

🏡 Big News for Ontario New Home Buyers

Ontario's new HST relief program could provide up to $130,000 in savings on eligible new home purchases, helping improve affordability for many buyers.

While final CRA rules are still being finalized, the proposed rebate could significantly reduce the tax burden on qualifying new construction homes purchased between April 1, 2026 and March 31, 2027.

If you're considering a pre-construction or newly built home, now is a good time to understand how these changes could impact your purchase and financing options.

📞 Have questions about how this may affect your mortgage qualification or closing costs? Let's connect.

The province has passed enabling legislation for expanded HST relief on new homes, but CRA officials say the measures are not yet available as Ontario finalizes the required regulations.

06/03/2026

The GTA market is starting to shift.

Home sales are up, new listings are down, and inventory is tightening. While home prices remain below last year's levels, buyers are taking advantage of improved affordability and lower rates.

If you've been waiting on the sidelines, now may be the time to review your options.

GTA sales rose year over year in May 2026 as new listings fell, with prices still under pressure

04/30/2026

The Bank of Canada just held rates at 2.25% and we’re in a rare “pause” window.
This is exactly when smart homeowners make moves.
Not when rates spike… and not when everyone rushes in.

Whether you’re:
• Renewing soon
• Sitting in a higher rate
• Thinking about pulling equity
• Or just unsure what your options are

There may be opportunities right now that weren’t there even a few months ago.

A quick review could save you thousands or at least give you clarity.

The Bank of Canada held interest rates steady, saying adjustments to borrowing costs would be likely be small if the economy and inflation evolve as expected.

03/24/2026

Most homeowners are staying on track with payments but many are doing it by stretching their finances. With renewals approaching and rates still elevated, now is the time to review your options before pressure builds.

Despite strong payment performance, a growing share of borrowers report difficulty keeping up and are cutting back on spending to stay current

03/12/2026

Sometimes Google’s answer and the mortgage approval answer aren’t exactly the same. Always run the numbers with a mortgage pro first! 😀

03/05/2026

A slower housing market isn’t all bad news.
For move up buyers, selling prices may soften but so do the prices of the homes they’re upgrading to. In many cases, the gap between the two actually improves.
The key is strategy: timing the sale, understanding financing options, and planning the move properly.

Thinking about your next move this year? Let’s talk.

A cooling housing market has been good news for those looking to buy their first home, but for homeowners looking to move up the property ladder, the slowdown is more of a mixed blessing.

02/27/2026

If you’re waiting to save a full 20%, you might be delaying your homeownership goals unnecessarily. There are insured options, first-time buyer incentives, and flexible programs that can help you get into the market sooner than you think.

The bottom line: Options exist, even with minimal savings.

If you’re curious what you qualify for, let’s connect. I’m happy to walk you through your options

02/24/2026

Choosing between fixed and variable isn’t about “safer” it’s about what fits your plan. 🏡
Every mortgage has pros and cons, and the right strategy depends on your timeline, goals, and comfort with risk. If you’re unsure which direction makes sense in today’s market, let’s talk through your options.

02/18/2026

Think your pre-approval means you’re 100% guaranteed? Not quite.
Pre-approvals are conditional final approval depends on your documents and the property itself.
Have questions about your situation? Let’s talk and make sure you’re set up for success.

02/16/2026

The best moments are the ones we share.