- September 3, 2025
- Melissa Berrigan
CMHC - Monthly Housing Starts - July 2025
Canadian Monthly Housing Starts and Other Construction Data Tables - July 2025 At our mortgage brokerage, we make it a priority to follow the Canad...
- August 19, 2025
- Melissa Berrigan
With Inflation at 1.7%, What This Means for Canadians Considering a Home Purchase or Mortgage Refinance
Did You Know? Did you know that Canada's latest inflation figure has cooled to 1.7% according to Statistics Canada? For everyday Canadians, this ...
- August 7, 2025
- Melissa Berrigan
Is the Mortgage Stress Test on the Way Out?
Is the Mortgage Stress Test on the Way Out? How OSFI's New Loan-to-Income Rules Could Reshape Borrowing in 2025-26 Canadian borrowers have spen...
- July 30, 2025
- Melissa Berrigan
Bank of Canada holds policy rate at 2.75%
The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. While some el...
- July 16, 2025
- Melissa Berrigan
Mortgage Payments Ease, Renewal Stress Grows in Canada
Mortgage Payments Are Easing Yet Renewal Stress Is Real It feels like a collective exhale. After two grueling years of rapid interestâ€...
- July 9, 2025
- Melissa Berrigan
Double-Barrel Down Payments: FHSA + New $60k HBP Withdrawal Rules Explained
Scraping together a competitive down payment in 2025 often feels like a marathon. But two revamped federal programs-the First Home Savings Acc...
- June 23, 2025
- Melissa Berrigan
Bank of Canada June Rate Hold: Mortgage Strategy 2025
Why the June Rate Hold Matters On June 4 2025, the Bank of Canada (BoC) left its overnight rate unchanged at 2.75 % for the fourth meeting in a row...
- June 8, 2025
- Melissa Berrigan
Why the Bank of Canada’s Rate Pause Isn’t a Green Light for Cheap Mortgages
If you've been waiting for interest rates to drop before locking in a mortgage, you're not alone. On June 5, 2025, the Bank of Canada (BoC) decided to...
- June 4, 2025
- Melissa Berrigan
June 4-2025 - Bank of Canada holds policy rate at 2.75%
The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. Since the Apr...
- May 17, 2025
- Melissa Berrigan
Mortgage Renewals in 2025: Navigating Payment Increases Amid Rising Rates
If you're among the thousands of Canadian homeowners with a mortgage renewal coming up in 2025, you might already be concerned about what rising inter...