Mortgage Blog
Mortgages and Financing Designed Around You
Canada's Rental Market Overview for 2025 and going into 2026
February 10, 2026 | Posted by: Paul Gazzola
Canada's rental market finally showed signs of breathing room in 2025. After several years of ultra-tight conditions, CMHC reports that vacancy rates rose across all major census metropolitan areas (C ...
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Jan 28-2026-Bank of Canada maintains policy rate at 2.25%
January 28, 2026 | Posted by: Paul Gazzola
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%. The outlook for the global and Canadian economies is ...
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Insured Mortgage Rules and Affordability in 2026: A Practical Guide for Canadian Homebuyers
January 25, 2026 | Posted by: Paul Gazzola
If you are trying to buy a home in Canada right now, you have probably felt the disconnect. Rates are lower than they were at the peak, but affordability still feels tight. Home prices in many ...
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Why Inflation Is Cooling but Homeownership Still Feels Expensive in Canada
January 13, 2026 | Posted by: Paul Gazzola
If you have been watching the news, you have likely heard that inflation in Canada is coming down. That sounds like good news, especially for homeowners and buyers who have been under pressure from hi ...
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Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada
December 23, 2025 | Posted by: Paul Gazzola
Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada Many Canadians were hopeful that easing inflation and early interest rate relief would make buying a home eas ...
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Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals
December 15, 2025 | Posted by: Paul Gazzola
Bank of Canada Rate Hold, What It Means for Mortgages Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals When the Bank of Canada announces a rate decision, it immediately gr ...
read moreDec 10-2025 - Bank of Canada maintains policy rate at 2.25%
December 10, 2025 | Posted by: Paul Gazzola
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%. Major economies around the world continue to show res ...
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Fall 2025 Canadian Mortgage Trends & Insights Report
November 21, 2025 | Posted by: Paul Gazzola
Did You Know ? Did you know that despite encouraging signs of stabilization in the Canadian mortgage market this fall, the national household debt-to-income ratio remained at an eye-opening 181.8 % in ...
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Nov. 2025 - How the Bank of Canada Rate Cut Affects Your Refinancing Strategy
November 10, 2025 | Posted by: Paul Gazzola
On October 29 2025, the Bank of Canada (BoC) reduced its target overnight rate by 25 basis points to 2.25 %. For Canadian homeowners who are thinking about refinancing their mortgage, this move matter ...
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Bank of Canada lowers policy rate to 2.25%
October 29, 2025 | Posted by: Paul Gazzola
The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. With the effects of US trade actions on econo ...
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