Mortgage Blog
Clarity. Confidence. A Mortgage That Works for You.
Bank of Canada raises the policy rate by 25 basis points to 2.25%
October 28, 2026 | Posted by: Barry Johnson
The Bank of Canada today increased 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%. Since the July Monetary ...
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Tomorrow the Bank of Canada Decides. The Data Says Hold
October 27, 2026 | Posted by: Daryl Johnson
Tomorrow morning at 9:45, the Bank of Canada announces its next rate decision. If you only read the headlines, you would think a rate hike is a done deal. A week ago, the market put the odds of a hike ...
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Fixed vs. Variable Mortgage Rates in Canada: 2026 Guide
October 23, 2026 | Posted by: Barry Johnson
If your mortgage is coming up for renewal in 2026, one of the biggest decisions is whether to choose a fixed or variable interest rate. A fixed rate offers predictable interest costs for your chosen ...
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The Company Behind Me: Why Who Stands Behind Your Mortgage Agent Matters
October 21, 2026 | Posted by: Daryl Johnson
When you choose a mortgage agent, you are choosing a person. You are also choosing everything standing behind that person, and most people never think to ask about it until something goes sideways. H ...
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Self-Employed? Your Mortgage Approval Starts Two Tax Years Before You Buy
October 20, 2026 | Posted by: Daryl Johnson
If you work for yourself, your mortgage file lives or dies on paperwork, and most of that paperwork takes two years to build. That is not a scare tactic. It is the timeline lenders work on, and it cat ...
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Waiting for Rates to Drop? Run This Math First
October 19, 2026 | Posted by: Daryl Johnson
Waiting for Rates to Drop? Run This Math First Almost every buyer I talk to has the same plan: wait for rates to come down, then buy. It sounds patient. It can also be the most expensive plan on the ...
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Mortgage Renewal 2026: Lock In Now or Wait?
October 19, 2026 | Posted by: Barry Johnson
If your mortgage is coming up for renewal this fall, you may be asking a familiar question: should you accept a rate now, or wait to see what the Bank of Canada does next? The next scheduled announcem ...
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5 Mortgage Hills I'll Die On
October 14, 2026 | Posted by: Daryl Johnson
After years of structuring mortgages across Grey Bruce and Simcoe, there are a few things I believe so strongly that no rate sheet will talk me out of them. Here they are. 1. The lowest rate is not a ...
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One Payment, Less Interest: How Debt Consolidation Through Your Mortgage Works
October 14, 2026 | Posted by: Daryl Johnson
If you are carrying credit card balances, a car loan, and a line of credit on top of your mortgage, you already know the problem. It is not just the total you owe. It is the interest rates quietly eat ...
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How Working With Me Works
October 14, 2026 | Posted by: Daryl Johnson
Most people meet their mortgage agent at the worst possible moment: after they have found the house, after the renewal letter has been sitting on the counter for a month, after the bank has already sa ...
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