- August 7, 2025
- Posted by Roar Admin
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 years living with the mortgage "s
- July 30, 2025
- Posted by Roar Admin
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 policy have started to become m
- July 16, 2025
- Posted by Roar Admin
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, the Bank of Canada has paused and
- July 9, 2025
- Posted by Roar Admin
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 beefed-up Home Buyers' Plan
- June 23, 2025
- Posted by Roar Admin
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 Canada press release, June 4 202
- June 8, 2025
- Posted by Roar Admin
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 lending rate at 4.75%, marking
- June 4, 2025
- Posted by Roar Admin
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 Report, the US administration h
- May 17, 2025
- Posted by Roar Admin
Mortgage Renewals in 2025: Navigating Payment Increases Amid Rising Rates
If you're among the thousands of Canadian homeowners with a mortgage renewal coming up in 2025, you might already be concerned about what rising interest rates could mean for your monthly payments. Du
- May 4, 2025
- Posted by Roar Admin
Mortgage Renewals in Early 2025 – Where Might Rates End Up?
A friendly guide for Canadian homeowners who are about to renegotiate one of the biggest contracts of their lives. Introduction - Why Everyone Is Talking About 2025 Renewals If your mortgage is co
- April 16, 2025
- Posted by Roar Admin
April 16 - 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%. The major shift in direction of US trade policy a
Colleen Macdonnell, AMP
Accredited Mortgage Professional
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