How War Abroad Creates Higher Mortgage Rates at Home.
“When a butterfly flutters its wings in one part of the world, it can eventually cause ahurricane in another.” - Edward Norton Lorenz
You might know that the mortgage market in
The New Mortgage Policy That Creates Unequal Outcomes
As we suspected (as per my previous writings), on January 29th the Office of the Superintendent of Financial Institutions (OSFI) made permanent the new LTI Test AND kept in place
Why Predicting Mortgage Rates Is Like Calling Heads or Tails
Historically, I have a very good track record of predicting mortgage rates – nowadays though it’s feeling more 50/50. If you ask “what will rates be like in the next
The Rent Squeeze in 2025: The Burden of High Rent — and What You Can Do About It
A new Rentals.ca survey paints a clear picture of renter strain this summer. One-third of Canadian renters (34%) report spending more than half of their after-tax income on rent. Those
5 Proven Strategies to Lower Your Rate at Renewal
Your mortgage renewal is more than just signing another set of papers—it’s a chance to save serious money. Many homeowners simply accept their lender’s first offer, not realizing they may
First-Time Homebuyer Mistakes to Avoid
Buying your first home is one of the most exciting—and nerve-wracking—milestones in life. With so much information to digest and decisions to make, it’s easy to stumble along the way.
Is It Better to Rent or Buy in Saskatchewan?
Deciding whether to rent or buy a home is one of the biggest financial decisions you'll make—and in Saskatchewan, the answer isn’t always clear-cut. With housing prices, interest rates, and
10 Renovations That Add the Most Value to Your Property
Whether you're planning to sell soon or simply want to boost your home's equity, not all renovations are created equal. Some upgrades offer a much higher return on investment than
5 Signs You’re Ready to Invest in Real Estate—and 3 Signs You’re Not
Real estate investing can be a powerful way to build wealth, create passive income, and secure your financial future—but it’s not for everyone. Whether you’re thinking about buying your first