Mortgage and Insurance Blogs

April 29 - 2026 - Bank of Canada maintains policy rate at 2.25%

April 29, 2026 | Posted by: Sharon Black

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The evolving conflict in the Middle East is causing heightened vol ...

How Life Insurance Can Help Canadians Cover Final Taxes on a Cottage, RRSPs, and Investments

April 17, 2026 | Posted by: Sharon Black

Many Canadians think of life insurance as something that simply replaces income for a spouse or children. That is certainly one of its biggest uses. But there is another reason life insurance can be s ...

Spring 2026 Home Buying Canada, Listings vs Affordability

February 24, 2026 | Posted by: Sharon Black

If you are shopping for a home this spring, you may be hearing a confusing message, there are more listings coming to market, but affordability still feels tight. Both can be true at the same time. Mo ...

Canada's Rental Market Overview for 2025 and going into 2026

February 10, 2026 | Posted by: Sharon Black

Canada's rental market finally showed signs of breathing room in 2025. After several years of ultra-tight conditions, CMHC reports that vacancy rates rose across all major census metropolitan areas (C ...

Jan 28-2026-Bank of Canada maintains policy rate at 2.25%

January 28, 2026 | Posted by: Sharon Black

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The outlook for the global and Canadian economies is ...

Insured Mortgage Rules and Affordability in 2026: A Practical Guide for Canadian Homebuyers

January 25, 2026 | Posted by: Sharon Black

If you are trying to buy a home in Canada right now, you have probably felt the disconnect. Rates are lower than they were at the peak, but affordability still feels tight. Home prices in many ...

Why Inflation Is Cooling but Homeownership Still Feels Expensive in Canada

January 13, 2026 | Posted by: Sharon Black

If you have been watching the news, you have likely heard that inflation in Canada is coming down. That sounds like good news, especially for homeowners and buyers who have been under pressure from hi ...

Why Insurance Costs Are Changing in Canada and What It Means for Your Mortgage

December 23, 2025 | Posted by: Sharon Black

Did you know that changes to your home insurance policy can directly affect your mortgage approval, renewal, or refinance? Many Canadians assume insurance and mortgages are handled separately, but len ...

Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada

December 23, 2025 | Posted by: Sharon Black

Housing Supply, Affordability, and Inflation, Why Buying a Home Still Feels Hard in Canada Many Canadians were hopeful that easing inflation and early interest rate relief would make buying a home eas ...

Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals

December 15, 2025 | Posted by: Sharon Black

Bank of Canada Rate Hold, What It Means for Mortgages Bank of Canada Rate Hold, What It Means for Variable Rates and 2026 Renewals When the Bank of Canada announces a rate decision, it immediately gr ...