If you locked in a mortgage at 1.5% back in 2020 or 2021, you already know the renewal reality is hitting different.  That’s not a surprise anymore. It’s here. And for a lot of people—especially younger homeowners—it’s uncomfortable.  Let me give you the real numbers. Recent research from Rates.ca and Leger found that 82% of […]

Fixed Rates: Slowly Dropping, But No Big Moves Yet Even though bond yields (which impact fixed mortgage rates) have been trending downward, banks aren’t exactly racing to slash their rates. Fixed rates are dipping, but at a slower pace. 🔹 Best move? If you love stability, a fixed-rate mortgage is still a solid choice. Shorter-term […]