Mortgage and Insurance Blogs
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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Life Insurance for Business Owners
July 21, 2025 | Posted by: Sharon Black
Life Insurance for Business Owners in Ontario: Why It’s a Smart Move, Not Just a Safety Net If you're a business owner in Ontario, you've probably spent years building something meaningful, you ...
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Mortgage Payments Ease, Renewal Stress Grows in Canada
July 16, 2025 | Posted by: Sharon Black
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 an ...
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Double-Barrel Down Payments: FHSA + New $60k HBP Withdrawal Rules Explained
July 9, 2025 | Posted by: Sharon Black
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 ...
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Bank of Canada June Rate Hold: Mortgage Strategy 2025
June 23, 2025 | Posted by: Sharon Black
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 ...
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Understanding Life Insurance in Ontario: Term vs. Whole Life
June 23, 2025 | Posted by: Sharon Black
When it comes to life insurance, most people fall into one of two camps: those who feel overwhelmed by the options, and those who know they should get coverage “someday” but haven’ ...
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