Mortgage and Insurance Blogs
How to Safeguard Your Side Hustle: Insurance Essentials for Canadians
October 21, 2025 | Posted by: Sharon Black
Running a side hustle is exciting. Maybe you tutor online, craft handmade goods, drive rideshares, offer home based services, or sell digital products. Whatever your gig, you are part of the growing C ...
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Canadian Home Sales Poised for a Strong Finish in 2025
October 20, 2025 | Posted by: Sharon Black
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 (CREA), home sales across the ...
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How Falling Rates Open Doors for Gig Workers, Mortgages for Non-Traditional Incomes
October 6, 2025 | Posted by: Sharon Black
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 ...
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How Ontario’s Long-Term Illness Leave Affects Your Disability & Group Insurance
September 22, 2025 | Posted by: Sharon Black
Ontario has introduced a new job-protected Long-Term Illness Leave that allows eligible employees to take up to 27 weeks off in a 52-week period if they cannot work due to a serious medical condition, ...
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September 17-2025 - Bank of Canada lowers policy rate to 2.5%
September 17, 2025 | Posted by: Sharon Black
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 ...
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CMHC - Monthly Housing Starts - July 2025
September 3, 2025 | Posted by: Sharon Black
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 ...
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Life Insurance in Your 30s Ontario - Affordable Protection Guide
August 21, 2025 | Posted by: Sharon Black
Did You Know? Many Canadians in their 30s are underinsured. If a primary earner passed away, a large share of households would face financial strain within months. Premiums are often most affordable ...
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With Inflation at 1.7%, What This Means for Canadians Considering a Home Purchase or Mortgage Refinance
August 19, 2025 | Posted by: Sharon Black
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 ...
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Is the Mortgage Stress Test on the Way Out?
August 7, 2025 | Posted by: Sharon Black
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 ...
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Bank of Canada holds policy rate at 2.75%
July 30, 2025 | Posted by: Sharon Black
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 ...
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