Mortgage Blog
Helping You Get the Right Mortgage
What is a Mortgage Loan Pre-Approval?
October 9, 2025 | Posted by: Jatinderbir Singh Bajwa
Pre-approval is a strategic step in the home buying process because Our rates are guaranteed up to 120 days, even if interest rates go up during that period, you are secured. If a better rate com ...
read more
How Falling Rates Open Doors for Gig Workers, Mortgages for Non-Traditional Incomes
October 6, 2025 | Posted by: Jatinderbir Singh Bajwa
After several policy cuts, the Bank of Canada's overnight rate sits at 2.50% as of September 17, 2025, down from 3.00% in January. This easing has lowered borrowing costs and improved affordab ...
read more
6 Persistent Real Estate Myths You Really Need to Ignore
September 23, 2025 | Posted by: Jatinderbir Singh Bajwa
Whether you're a home-buyer or a seller, it pays to understand the real estate market if you want to get a good deal. Unfortunately, a series of damaging ideas has grown up around real estate which ca ...
read more
Tips to get approved for a mortgage
September 23, 2025 | Posted by: Jatinderbir Singh Bajwa
Key Notes :- Check your credit score as far in advance of applying for a mortgage as possible, and take steps to improve it if necessary. Shop around for the best mortgage rate, which will help ...
read more
September 17-2025 - Bank of Canada lowers policy rate to 2.5%
September 17, 2025 | Posted by: Jatinderbir Singh Bajwa
The Bank of Canada today reduced 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%. After remaining resilient to sharply higher ...
read more
How mortgages today compare to 35 years ago in Canada
September 9, 2025 | Posted by: Jatinderbir Singh Bajwa
A new analysis has revealed how mortgages in Canada today compare to 35 years ago and the results are bleak for younger Canadians. “For couples in their 30s — the median age when most Can ...
read more
CMHC - Monthly Housing Starts - July 2025
September 3, 2025 | Posted by: Jatinderbir Singh Bajwa
Canadian Monthly Housing Starts and Other Construction Data Tables - July 2025 At our mortgage brokerage, we make it a priority to follow the Canada Mortgage and Housing Corporation's (CMHC) monthl ...
read more
How long does a consumer proposal stay on your credit report?
August 26, 2025 | Posted by: Jatinderbir Singh Bajwa
ost consumer proposals are structured to be five years in duration. Typically with a fixed payment amount over sixty months. Equifax and TransUnion handle consumer proposals a bit differently, bu ...
read more
With Inflation at 1.7%, What This Means for Canadians Considering a Home Purchase or Mortgage Refinance
August 19, 2025
Did You Know? Did you know that Canada's latest inflation figure has cooled to 1.7% according to Statistics Canada? For everyday Canadians, this is more than a headline. It can point to lower bor ...
read more
Is the Mortgage Stress Test on the Way Out?
August 7, 2025
Is the Mortgage Stress Test on the Way Out? How OSFI's New Loan-to-Income Rules Could Reshape Borrowing in 2025-26 Canadian borrowers have spent the past seven years living with the mortgage "s ...
read more