M. Deren Hasip, Mortgage Broker, Founder

06/10/2026

🚨 The Bank of Canada just held rates at 2.25%, leaving the prime lending rate at 4.45%.

So... why aren't rates coming down if the economy is slowing?

The answer may be sitting at your local gas station. ⛽

Inflation jumped back up to 2.4%, driven largely by a massive spike in energy prices. Gas prices surged more than 20% in a single month, creating fresh concerns that inflation could stick around longer than expected.

At the same time:

📈 Inflation is moving higher
📉 Consumer spending is slowing
🌎 Global uncertainty remains elevated
🏦 The Bank of Canada is stuck between supporting growth and fighting inflation

For now, they've chosen to wait.

What does that mean for Canadians?

✅ Variable-rate borrowers avoid another increase
✅ Borrowing costs remain stable for now
⚠️ Fixed rates are still being influenced by bond markets and global economic conditions

The real question isn't what happened today.

It's what happens next.

If inflation cools and economic growth weakens, rate cuts could return to the conversation. If energy prices remain elevated, the Bank may stay on the sidelines longer than many borrowers hoped.

What do you think the Bank's next move will be? 👇

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05/11/2026

Honoured to represent the at Queen's Park alongside some incredible industry leaders to meet with and advocate for positive change in housing and homeownership across Ontario 🇨🇦

Important conversations around affordability, accessibility, and the future of housing are happening, and I’m grateful to help bring real industry insight to the table.

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04/24/2026

Toronto's condo market just hit a 35-year low. 📉

And it might be the best buying setup we see this decade.

Here's what Q1 2026 actually looked like:

🔻 Only 246 new condos sold across the GTHA
🔻 Zero new project launches (first time in 30+ years)
🔻 4,295 finished units sitting empty
🔻 Prices down 13% from peak

Scary headlines. But watch what happens next 👇

New condo completions are about to fall off a cliff:
2026: ~21,850 units
2027: 14,659
2028: 13,039
2029: just 2,029

That's a 93% drop in new supply in 4 years. Already baked in. You can't build what was never launched.

Now add the full HST rebate on new builds 👉 roughly $100K off the average unit.

Translation: peak pessimism + better affordability + a supply pipeline running dry = the setup for a market turn.

Prices won't snap back overnight. But the window between "everyone's scared" and "everyone's bidding again" is where the smartest moves get made. 🎯

Today's oversupply is tomorrow's undersupply.

Save this post 📌 and send it to someone who keeps saying "I'll wait."

💬 Is the market closer to a bottom than the headlines admit? Drop your take below.

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04/21/2026

The federal fuel tax freeze started April 20th. Here's what most people are missing. 🍁

Yes, you're saving up to 10 cents a litre at the pump. Combined with the carbon tax elimination, that's up to 28 cents per litre back in your pocket compared to last year.

But the bigger story? Fuel costs touch everything: groceries, construction, logistics. When fuel gets cheaper, prices across the board feel it too. That's inflation cooling down.

And when inflation cools, the Bank of Canada has more room to move on interest rates.

So that $75 in summer gas savings? It could actually be part of what shapes your mortgage rate conversation this fall.

Questions about what the current rate environment means for your mortgage? Let's connect.

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03/26/2026

Shoutout to DLCG Mortgage Group and the team at Newton Technologies for their continued investment in technology and the betterment of our brokers. Helping us stay top of mind with our valued clients is money well spent!

When we asked Deren Hasip from DLC Mortgage Scout Inc. about Gold Rush, his message was clear: focus on what you do best — and let the system handle the rest.

Gold Rush keeps you consistently in front of your clients through automated campaigns and smart touchpoints, so you stay top of mind without adding more to your workload.

More repeat business. More referrals. More consistency.

Do what you do best. Let Gold Rush take care of the rest. ✨

03/19/2026

🌟 Client Success Story 🌟

A big thank you to Annu for the 5-star review! 🙏

Helping clients navigate high interest rates and find better solutions is exactly what we’re here for. We’re so glad we could guide you through the process and secure a rate that made a real difference in your monthly payments. 🏡💛

Seamless switches, better outcomes, and support every step of the way. That’s the Mortgage Scout promise.

📞 When in doubt, call Mortgage Scout!

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03/18/2026

Most Canadians spend more time researching a vacation than understanding the mortgage they'll carry for 25 years.

In this video, I break down today's decision by Bank of Canada and the impact of war in the middle east on fixed rates.

If you're a homeowner or thinking about getting into the market, this is worth 60 seconds (ish) of your time.

Financial literacy around mortgages is still massively underserved. That's something we're working to change.

Drop your questions in the comments. I read every one.

MortgageScout

02/13/2026

Reviews like this are why I love what I do. ⭐⭐⭐⭐⭐

Thank you, Zalina, for trusting me with your mortgage renewal. Time-sensitive situations require clarity and quick action. I'm glad I could help you navigate your options and find the right solution.

To everyone who refers friends and family to Mortgage Scout: these referrals mean the world to us. Your trust is something we never take for granted.

If you're approaching a mortgage renewal or have questions about your mortgage options, let's talk. We're here to help you make informed decisions that make sense for your situation.

02/11/2026

Top 5% nationally. DLC Masters Award 2025. 🏆

After 29 years in financial services and building Mortgage Scout into what it is today, recognitions like this remind me why we do what we do - helping Canadians navigate one of their most important financial decisions.

Grateful to our clients, our team, and the DLC network for making this possible.

When in doubt, call Mortgage Scout!

01/30/2026

📌 Bank of Canada Holds Overnight Rate at 2.25% Here’s Why It Matters

Yesterday, the Bank of Canada held the overnight rate steady at 2.25%, signaling a continued wait-and-see approach amid mixed economic signals.

While inflation has cooled (headline CPI is trending near target), the Bank isn’t ready to ease further just yet. Why?

🔹 Economic uncertainty, especially around global trade tensions and tariff risks with the U.S. continues to cloud the outlook.

🔹 The job market and consumer spending are holding up, not booming, but not crashing either.

🔹 Core inflation remains sticky, with underlying price growth still above 2%, giving the BoC reason to pause.

🎯 For Canadian borrowers, this means variable-rate mortgages remain unchanged, but fixed rates may not follow suit, since they’re influenced by rising bond yields which have diverged from the central bank’s policy rate.

💬 As we digest this update, it’s a great time to revisit your clients’ strategies:

Should they lock in? Go variable? Reassess pre-approvals?

📩 Let’s talk about what this means for your portfolio and your clients' next steps.

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