When your renewal payment jumps $600: three moves that actually help
If you took out a five-year fixed mortgage in 2021, you locked in at roughly half of today’s rates. That was a smart move at the time. The…
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Debt consolidation in 2026: does it actually save you money?
Every few weeks I get a version of the same question: “Should I roll my credit cards and line of credit into my mortgage?” It’s a fair question,…
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Bank of Canada Holds Rates Steady — What It Means for Your Mortgage
This morning, the Bank of Canada announced it is keeping its overnight policy rate unchanged at 2.25% — the fourth consecutive hold since the Bank paused its rate-cutting…
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Is Your Mortgage Still Working For You?
I’ve been having a lot of conversations lately that all seem to start the same way: “Is my mortgage still working for me?” Honestly, it’s the right question…
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Ontario’s Expanded HST Rebate: A Practical Guide for Home Buyers
Ontario’s recent announcement to expand the HST rebate on new homes is a meaningful policy shift aimed at improving affordability. While the headline numbers are significant, the real…
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Mortgage Renewals in 2026: Why Looking Beyond Your Rate Matters More Than Ever
If your mortgage is coming up for renewal in 2026, you’re likely transitioning from a rate environment we may not see again for a long time. Many homeowners…
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