Mortgage Tips: Bank of Canada Raises Overnight Rate by 50 Points

Posted On Dec 07, 2022

At 10am this morning (Dec 7, 2022), the Bank of Canada raised its overnight target rate by 50 basis points, bringing it to 4.25%. This mean banks and other financial institutions are expected to raise their Prime Rate in the coming days to 6.45%,...

Mortgage Tips: Understanding Interest Rates

Posted On Nov 22, 2022

It is important to understand that Fixed rate and Variable rate mortgages are based on different "money markets". When the news/media says the Bank of Canada is raising rates, that change will directly impact Variable rate mortgages and Lines of...

Mortgage Tips: 3 Tips To Help Save Money

Posted On Nov 08, 2022

3 TIPS TO HELP SAVE MONEY!1) PLAN YOUR BUDGET- Physically writing your monthly income and expenses shows exactly where your money is being spent- Keep ALL bills/receipts for the next 3 months to track your expenses (mortgage, groceries, gas,...

Mortgages: Then & Now

Posted On Oct 28, 2022

I took a look into a cost comparison of home prices, mortgages and incomes in 1992 vs 2022 to help get a perspective on the current economic climate that young homeowners are facing now vs then....it is quite staggering.*This chart is for...

Mortgage Tips: Rate Increases

Posted On Oct 12, 2022

There's an estimated 0.50% increase to the Prime Rate expected on October 26 and likely another estimated 0.50% in January 2023. These projections are not guaranteed but based on mortgage and economic industry buzzword, this is the...

Mortgage Tips: Monthly Mortgage Payments

Posted On Sep 27, 2022

How Much Is A Monthly Mortgage Payment? Based on today's (September 27, 2022) current, average 5 year fixed rate @ 5.09% with a 25 year amortization, the monthly payment is as follows:$100,000 mortgage = $586.74/month$200,000 mortgage = $1,173...