What to expect for mortgage rates in 2025-2027
After several interest rate cuts in 2024, Canada’s borrowing costs have finally settled, giving homebuyers a bit of breathing room. As of July 2025, the Bank of Canada kept its overnight rate steady at 2.75%, highlighting that inflation is close to its target, but uncertainties in global trade, especially new U.S. tariffs, could still shake […]
What Experts Say About Mortgage Rates in 2025
Mortgage rates in Canada have always been a hot topic, but in 2025, they’ve become a major focus for homebuyers, real estate investors, and financial planners alike. Whether you’re renewing your mortgage, buying your first home, or exploring investment opportunities, understanding where rates are heading is essential. So, what do the experts have to say […]
Understanding the Role of a Mortgage Agent – Who They Are and How They Help
Buying a home is one of the biggest financial decisions Canadians will ever make, and navigating mortgage options can feel overwhelming. That’s where a mortgage agent comes in. Many homebuyers wonder whether they should go directly to their bank or seek help from a professional. The truth is, working with a mortgage agent can give […]
Top Mortgage Tips for First-Time Home Buyers in Canada (2025 Guide)
Buying your first home in Canada is exciting, but navigating the mortgage process in 2025 can feel overwhelming. With rising home prices, interest rate shifts, and strict lending criteria, it’s more important than ever to understand how to set yourself up for mortgage success. Whether you’re house-hunting in Toronto, Calgary, or a smaller city, these […]
Top 5 Ways to Avoid Foreclosure in Canada as a Homeowner
Foreclosure is a scary word for any homeowner, but in Canada, there are practical, legal, and professional steps you can take to avoid it. Whether you’ve fallen behind on payments, lost income, or are facing high interest penalties, you’re not alone, and it’s not too late to save your home. In this guide, we’ll share […]
TD Bank Mortgage Declined? Here’s What You Can Do Next
Getting declined for a mortgage by a major lender like TD Bank can feel discouraging, but it’s not the end of your homeownership journey. Many Canadians face this situation every year, and the good news is: you still have options. Whether you’re a first-time buyer, self-employed, or have bruised credit, there are smart steps you […]
Should You Work with a Mortgage Broker or Agent? Here’s What You Need to Know
When buying a home in Canada, one of the biggest decisions you’ll face is how to secure your mortgage. Many buyers ask themselves: Should I work with a mortgage broker, a mortgage agent, or just go directly to my bank? The truth is, understanding the difference between a mortgage broker and a mortgage agent can […]
Refinancing Your Mortgage in Canada – How to Lower Your Interest In 2025
With interest rates finally starting to stabilize in 2025, many Canadian homeowners are considering mortgage refinancing to save money. Whether you’re locked into a high-rate mortgage or your financial situation has improved, refinancing your mortgage could be a smart way to reduce your monthly payments, shorten your term, or tap into home equity. But what […]
Mortgage Rate Trends in Canada: What to Expect for the Rest of 2025
Mortgage rates in Canada remain high as we head deeper into 2025. The Bank of Canada’s key rate sits at 2.75%, and most 5-year fixed mortgage rates are in the high 4% range. Variable rates are slightly lower, between 4% and 4.5%. The good news? Inflation is cooling, with the CPI at 1.7%, and experts […]
Mortgage Broker Near Me? Why Connections and Expertise Matter More
Searching “mortgage broker near me” is often the first step for many Canadians looking to buy a home. After all, it feels natural to want someone close by, someone you can meet in person. But in today’s fast-moving housing market, location alone isn’t the factor that guarantees you the best deal. What truly matters is […]