Mortgage Blog
Clarity. Confidence. A Mortgage That Works for You.
The New Math on Credit Card Debt
October 2, 2026 | Posted by: Daryl Johnson
What if the same debt cost you less than half as much every month? Most credit cards in Canada charge around 19.99%. If you are carrying a large balance, that rate is doing serious damage. But if you ...
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Mortgage Rates: A Little Perspective
September 30, 2026 | Posted by: Daryl Johnson
What mortgage rate do you remember having? I asked that question on Facebook recently and the answers poured in. People remembered 18%, 19%, even 21% from the early 80s. And every time I see those nu ...
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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 ...
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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 ...
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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. ...
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# 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 ...
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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 ...
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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 ...
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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 ...
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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, ...
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