Mortgage and Insurance Blogs
Life Insurance for Ontario Homeowners, A Complete Guide for Ajax Families
November 21, 2025 | Posted by: Sharon Black
If you live in Ajax, Ontario, you probably carry important financial commitments, such as a mortgage, family expenses, and long term goals. While you work hard to build stability and security, one pie ...
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Fall 2025 Canadian Mortgage Trends & Insights Report
November 21, 2025 | Posted by: Sharon Black
Did You Know ? Did you know that despite encouraging signs of stabilization in the Canadian mortgage market this fall, the national household debt-to-income ratio remained at an eye-opening 181.8 % i ...
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Nov. 2025 - How the Bank of Canada Rate Cut Affects Your Refinancing Strategy
November 10, 2025 | Posted by: Sharon Black
On October 29 2025, the Bank of Canada (BoC) reduced its target overnight rate by 25 basis points to 2.25 %. For Canadian homeowners who are thinking about refinancing their mortgage, this move matter ...
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Bank of Canada lowers policy rate to 2.25%
October 29, 2025 | Posted by: Sharon Black
The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. With the effects of US trade actions on econo ...
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How to Safeguard Your Side Hustle: Insurance Essentials for Canadians
October 23, 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, ...
read moreSeptember 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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