Mortgage Blog
Clarity. Confidence. A Mortgage That Works for You.
Pay Off Your Mortgage Faster: How Accelerated Bi-Weekly Payments Work
September 28, 2026 | Posted by: Daryl Johnson
Here is a simple trick that can shave years off your mortgage. It is called accelerated bi-weekly payments, and a lot of homeowners have never heard of it. How it works With monthly payments, you ma ...
read more
Your Mortgage Journey in 5 Steps
September 25, 2026 | Posted by: Daryl Johnson
Buying a home is the biggest purchase most of us ever make, and the mortgage process can feel like a maze. Here is the whole journey in five steps, the same way I walk clients through it. Step 1: Get ...
read more
When Is a Commitment Not a Commitment?
September 23, 2026 | Posted by: Daryl Johnson
You got the letter. The lender is committed. You are basically done, right? Not quite. A mortgage commitment is not what most people think it is. Here is when a commitment is not really a commitment. ...
read more
# Would You Take a 30-Year Fixed Mortgage If You Could?
September 23, 2026 | Posted by: Daryl Johnson
In the United States, the 30-year fixed mortgage is the default. You lock your rate for three decades and never think about it again. In Canada, it basically does not exist. Our fixed terms top out ...
read more
Ontario Mortgage Update: The U.S. Fed Hike Shockwave, The BoC Fuel Threat, and Grey-Bruce Realities
September 20, 2026 | Posted by: Daryl Johnson
This post adapts my September 19, 2026 newsletter posted on LinkedIn, covering the week of September 11 to 18. If you are a homeowner facing an upcoming renewal or a buyer watching the Ontario market ...
read more
Has Your Income Changed? What to Check Before Refinancing Your Mortgage
September 14, 2026 | Posted by: Barry Johnson
Your hours have been reduced. You have started a new job. Or your household is managing on one income while you work out what comes next. If you own a home, refinancing may seem like a practical way t ...
read more
Sept 2-2026 - Bank of Canada maintains the policy rate at 2.25%
September 2, 2026 | Posted by: Barry Johnson
The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The continuing conflict in the Middle East is keeping ...
read more
Canada Housing Starts Slow: What Buyers Should Know
August 21, 2026 | Posted by: Barry Johnson
Canada is still building a significant number of homes, but the latest housing construction numbers show that the pace of new projects is beginning to slow. For Canadians hoping to buy a home, ...
read more
Canada Is Building More Homes, Why Is Buying Still Hard?
August 5, 2026 | Posted by: Barry Johnson
You may have seen headlines suggesting that Canada is building more housing. That sounds like good news for homebuyers, and in many ways it is. More homes are essential to improving housing choice ...
read more
Should Canadian Homebuyers Purchase Now or Wait for More Housing Supply?
July 24, 2026 | Posted by: Barry Johnson
Canadian homebuyers are hearing two different messages. One suggests that more homes are being built and buyers should wait for additional supply. The other warns that slower construction could limit ...
read more