One of the most common things I hear from future homeowners is: “We’re going to wait until we’ve paid off all our debt before we buy.” And honestly? I understand why. For years, we’ve been told that becoming debt-free is the ultimate financial goal. It feels responsible. It feels safe. It feels like the “right” […]

For many first-time buyers, the biggest question isn’t “Which home should we buy?” It’s… “How are we actually going to afford it?” And honestly? That’s a fair question. Between home prices, interest rates, and everyday expenses, buying your first home can feel overwhelming. I hear it all the time. The good news is that homeownership […]

One of my favourite calls to receive starts like this: “Tori… I don’t even know if it’s worth talking. We looked last year, and we couldn’t make the numbers work.” My answer? “Let’s take another look.” Because here’s something most people don’t realize: Just because you couldn’t buy a home a year ago doesn’t mean […]

Well, here’s a not-so-fun update from the world of mortgages: RBC has made some changes to its posted rates, and if you’re thinking about breaking your RBC mortgage early—brace yourself. Thanks to the way RBC calculates penalties, some homeowners could be looking at massive prepayment costs, jumping by thousands of dollars overnight. Let’s break it […]

Navigating Mortgage Rates in an Uncertain Market The Canadian economy is throwing us some curveballs—trade tensions, inflation worries, and whispers of a potential slowdown. And with all that uncertainty, mortgage rates are doing their own little dance. If you’re wondering whether to lock in a fixed rate or roll with a variable one, let’s break […]

Why Are Mortgage Rates So Unpredictable Right Now? With all the buzz around trade tensions, inflation concerns, and a potential economic slowdown in Canada, it’s no wonder mortgage rates are all over the place. If you’re trying to decide whether to lock in a fixed rate or roll the dice with a variable one, you’re […]