Mortgage Blog

Insured Mortgage Rules and Affordability in 2026: A Practical Guide for Canadian Homebuyers

If you are trying to buy a home in Canada right now, you have probably felt the disconnect. Rates are lower than they were at the peak, but affordability still fee ...

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• Jan 25, 2026
• CENTUM® Canada

Why Inflation Is Cooling but Homeownership Still Feels Expensive in Canada

If you have been watching the news, you have likely heard that inflation in Canada is coming down. That sounds like good news, especially for homeowners and buyers who ha ...

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• Jan 13, 2026
• CENTUM® Canada

Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada

Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada Many Canadians were hopeful that easing inflation and early interest rate relie ...

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• Dec 23, 2025

Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals

Bank of Canada Rate Hold, What It Means for Mortgages Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals When the Bank of Canada announces a ra ...

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• Dec 15, 2025

Dec 10-2025 - Bank of Canada maintains policy rate at 2.25%

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%. Major economies around ...

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• Dec 10, 2025

Fall 2025 Canadian Mortgage Trends & Insights Report

Did You Know ? Did you know that despite encouraging signs of stabilization in the Canadian mortgage market this fall, the national household debt-to-income ratio remaine ...

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• Nov 21, 2025

Nov. 2025 - How the Bank of Canada Rate Cut Affects Your Refinancing Strategy

On October 29 2025, the Bank of Canada (BoC) reduced its target overnight rate by 25 basis points to 2.25 %. For Canadian homeowners who are thinking about refinancing th ...

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• Nov 10, 2025

Bank of Canada lowers policy rate to 2.25%

The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. With the effect ...

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• Oct 29, 2025

Canadian Home Sales Poised for a Strong Finish in 2025

The Canadian housing market is showing signs of renewed strength as we approach the end of 2025. According to the latest report from the Canadian Real Estate Association ...

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• Oct 20, 2025

How Falling Rates Open Doors for Gig Workers, Mortgages for Non-Traditional Incomes

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 borrowi ...

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• Oct 6, 2025
• CENTUM® Canada

September 17-2025 - Bank of Canada lowers policy rate to 2.5%

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 remaini ...

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• Sep 17, 2025

CMHC - Monthly Housing Starts - July 2025

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 Housi ...

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• Sep 3, 2025

With Inflation at 1.7%, What This Means for Canadians Considering a Home Purchase or Mortgage Refinance

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 headl ...

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• Aug 19, 2025

Is the Mortgage Stress Test on the Way Out?

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 yea ...

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• Aug 7, 2025

Bank of Canada holds policy rate at 2.75%

The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. While some elements of US trade p ...

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• Jul 30, 2025

Mortgage Payments Ease, Renewal Stress Grows in Canada

Mortgage Payments Are Easing Yet Renewal Stress Is Real It feels like a collective exhale. After two grueling years of rapid interest‑rate hikes, th ...

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• Jul 16, 2025

Double-Barrel Down Payments: FHSA + New $60k HBP Withdrawal Rules Explained

Scraping together a competitive down payment in 2025 often feels like a marathon. But two revamped federal programs-the First Home Savings Account (FHSA) and the ...

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• Jul 9, 2025

Bank of Canada June Rate Hold: Mortgage Strategy 2025

Why the June Rate Hold Matters On June 4 2025, the Bank of Canada (BoC) left its overnight rate unchanged at 2.75 % for the fourth meeting in a row (Source: Bank of Ca ...

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• Jun 23, 2025

Why the Bank of Canada’s Rate Pause Isn’t a Green Light for Cheap Mortgages

If you've been waiting for interest rates to drop before locking in a mortgage, you're not alone. On June 5, 2025, the Bank of Canada (BoC) decided to hold its overnight ...

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• Jun 8, 2025

June 4-2025 - Bank of Canada holds policy rate at 2.75%

The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. Since the April Monetary Policy R ...

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• Jun 4, 2025