Mortgage Blog
Helping You Get the Right Mortgage
6 Persistent Real Estate Myths You Really Need to Ignore
September 23, 2025 | Posted by: Jatinderbir Singh Bajwa
Whether you're a home-buyer or a seller, it pays to understand the real estate market if you want to get a good deal. Unfortunately, a series of damaging ideas has grown up around real estate which ca ...
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Tips to get approved for a mortgage
September 23, 2025 | Posted by: Jatinderbir Singh Bajwa
Key Notes :- Check your credit score as far in advance of applying for a mortgage as possible, and take steps to improve it if necessary. Shop around for the best mortgage rate, which will help ...
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September 17-2025 - Bank of Canada lowers policy rate to 2.5%
September 17, 2025 | Posted by: Jatinderbir Singh Bajwa
The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.45%. After remaining resilient to sharply higher ...
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How mortgages today compare to 35 years ago in Canada
September 9, 2025 | Posted by: Jatinderbir Singh Bajwa
A new analysis has revealed how mortgages in Canada today compare to 35 years ago and the results are bleak for younger Canadians. “For couples in their 30s — the median age when most Can ...
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CMHC - Monthly Housing Starts - July 2025
September 3, 2025 | Posted by: Jatinderbir Singh Bajwa
Canadian Monthly Housing Starts and Other Construction Data Tables - July 2025 At our mortgage brokerage, we make it a priority to follow the Canada Mortgage and Housing Corporation's (CMHC) monthl ...
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How long does a consumer proposal stay on your credit report?
August 26, 2025 | Posted by: Jatinderbir Singh Bajwa
ost consumer proposals are structured to be five years in duration. Typically with a fixed payment amount over sixty months. Equifax and TransUnion handle consumer proposals a bit differently, bu ...
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With Inflation at 1.7%, What This Means for Canadians Considering a Home Purchase or Mortgage Refinance
August 19, 2025
Did You Know? Did you know that Canada's latest inflation figure has cooled to 1.7% according to Statistics Canada? For everyday Canadians, this is more than a headline. It can point to lower bor ...
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Is the Mortgage Stress Test on the Way Out?
August 7, 2025
Is the Mortgage Stress Test on the Way Out? How OSFI's New Loan-to-Income Rules Could Reshape Borrowing in 2025-26 Canadian borrowers have spent the past seven years living with the mortgage "s ...
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Bank of Canada holds policy rate at 2.75%
July 30, 2025
The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. While some elements of US trade policy have started to become m ...
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Mortgage Payments Ease, Renewal Stress Grows in Canada
July 16, 2025
Mortgage Payments Are Easing Yet Renewal Stress Is Real It feels like a collective exhale. After two grueling years of rapid interest‑rate hikes, the Bank of Canada has paused an ...
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