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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Bank of Canada Holds at 2.25% — Here’s What It Means for You
Today, the Bank of Canada held its overnight rate at 2.25% for the second consecutive decision in 2026. No surprise — markets had priced in a hold at…
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First‑Time Buyer in Ontario? Why “Getting Ready” Matters More Than Waiting for Rates
If you’re a first‑time home buyer in Waterloo Region or anywhere in Ontario, you’ve probably heard the same advice on repeat: “Just wait until rates drop.” But here’s…
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Bank of Canada Rate Hold
The Bank of Canada decided to hold interest rates today, which means there was no change to the overnight rate. It remains at 2.25%. This is good news…
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