How to Pick the Right Mortgage Term without a Crystal Ball
Trying to time mortgage rates is like trying to guess the next market crash—it’s a gamble. With economic uncertainty running high and no clear direction from the Bank of Canada,…
Mortgage Insights
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The 8/16 Rule: A Simple Guide to Smarter Rental Property Investments
In real estate investing, complexity is often the enemy of action. That’s where the 8/16 Rule comes in—an easy-to-use framework that separates profitable rental properties from cash flow disasters. Whether you’re an…
Why Fixed Rates Aren’t Falling with the Bank of Canada’s Cuts
A lot of Canadians think fixed mortgage rates automatically follow the Bank of Canada’s moves. Here’s the problem with that thinking: fixed rates aren’t driven by the central bank’s rate…
New Mortgage Rules in Canada: What You Need to Know
As the Canadian housing market continues to evolve, the federal government has announced significant changes to mortgage rules designed to help more Canadians achieve homeownership. Effective December 15, 2024, these…
New Season, New Budget
As the seasons shift from the carefree days of summer to the structured rhythms of fall, it’s an opportune time to give your budget a thorough review. The end of…