Newsletter

In this issue, we chat about why interest rates are stuck for now, how new quick-close mortgage offers could help buyers, and what job numbers are saying about challenges for younger Canadians. We also give you a sneak peek at our upcoming Investor Edge launch.

Fixed mortgage rates are finally creeping up, and we walk you through why locking in now could save you later. Plus, smart tips on rate strategy, what renewal time might look like, and a preview of BM Select’s Investor Edge toolkit and new website.

This month we dig into what’s shifting with interest rates — core inflation is still higher than the Bank of Canada’s target, so rate cuts are likely delayed (maybe not until late fall or even 2026). We also break down what those rate moves mean for renewals, buyers, and variable-rate holders — plus, a preview of our upcoming Investor Edge program and how we’re helping clients save big.

May’s issue digs into a surprising split: headline inflation has cooled, but core inflation is creeping above 3%, which is keeping fixed mortgage rates from dropping. We also cover why bond yields are rising, how that impacts homeowners and future buyers, and some smart move-ideas if you’re shopping, renewing, or riding a variable rate right now.

We’re celebrating helping clients save over $800,000 in mortgage costs by switching out high-interest 3-year fixed terms — all without sneaky fees. Plus: what’s going on with bond yields, how inflation & market forces are shaking up rate expectations, and a brand-new investor-focused mortgage portal with National Bank.

March’s issue brings good news — mortgage rates are creeping down to around 4%, and you might be able to lock in a 5-year fixed rate with a conversion clause at no extra cost. We also dig into rising inflation, what that means for future rate moves, and share how clients have already saved nearly $350,000 by switching out of high-interest 3-year fixed terms.

In this issue, we highlight how 5-year fixed mortgages have dropped to 3.99% or less — making now a great time to lock in, especially for those with insured purchases or looking to switch from variable rates. Plus: what the recent inflation & unemployment numbers are telling us about future rate moves, and tips on using your current lender for leverage.

Kicking off 2025 with good news — inflation’s fallen below target, and the Bank of Canada is expected to make its first rate cut soon (about 0.25%). We also dig into why fixed mortgage rates aren’t dropping as fast (blame the bond market), plus our spring real-estate market forecast, some upcoming webinars, and an update on how our pre-approval volumes are already beating last January’s.

As 2024 wraps up, we reflect on a year of huge swings—rates started high and slow, but the second half brought big wins: five cuts, inflation finally hitting 2%, and 5-year fixed rates dropping into the high 3’s. If you’re renewing or converting in 2025, now’s the time to seriously consider locking in.

Inflation hit 2%, while weak GDP hints at a possible jumbo rate cut. We also cover fixed rates dipping below 4%, our upcoming mortgage forecast webinar, and recent team highlights.

Inflation dipped to 1.6%, raising chances of a bigger rate cut ahead. We also share updates from recent real estate & investor events, builder partnerships, and a sneak peek at our year-end mortgage forecast webinar.

The Bank of Canada delivered its third straight cut, bringing prime to 6.45%. We break down what this means for fixed vs. variable mortgages, today’s 3- & 5-year rates, and preview our refinancing & renewal strategies webinar.

Inflation is easing — headline CPI dropped to 2.5%, the lowest in 40 months — and we’re expecting several rate cuts before year-end. We also dig into what this means for variable vs. fixed mortgages, strategy tips for upcoming renewals, and why now more than ever it pays to plan ahead.

The Bank of Canada held steady on rates again — no change — and we walk you through what that means for mortgage shoppers, those renewing, or anyone pondering switching. Plus: how fixed rates are behaving vs variable, and a preview of what to expect in the coming months.

In June, we took a close look at how inflation was shaping up, why lenders were cautious about rate cuts, and what that meant for homeowners renewing their mortgages. We also shared where the 5-year vs 3-year fixed rates were leaning, plus some tips to help you plan ahead.

With inflation easing to 2.7%, a Bank of Canada rate cut could be just around the corner. We also share investor webinar highlights, first-time buyer tips like house-hacking, and updates from recent mortgage events.

After holding steady for the sixth meeting in a row, the Bank of Canada is hinting rates might start coming down—maybe by June or July—if inflation keeps easing. Plus: updates on upcoming webinars (including one for real-estate investors), recap of recent industry events, and insight into what’s shaping the mortgage outlook for the months ahead.

In March, the Bank of Canada held rates steady again — their 5th straight holding — but there was more talk about cuts possibly coming later in 2024 if inflation trends continue. We also spotlighted BMO re-entering the mortgage broker channel, offered a “First-Time Buyer’s Guide” webinar, and shared ways we’re helping folks navigate the shifting lending landscape.

Last month’s inflation came in at 2.9%, lower than expected — and economists are eyeing when fixed-mortgage rates might drop as a result. We also forecast a likely first rate cut in mid-year, invite you to several new webinars (first-time buyer tips included), and share what our team’s been up to recently.

Rates stayed put again as the Bank of Canada holds steady heading into 2024. Inflation rose slightly to ~3.4%, and we’re expecting “dovish” language in the coming meetings — maybe even rate cuts by mid-year. If you’ve got a renewal or home purchase coming up, now might be a good time to lock something in.