Blog - Bryan Guertin, Mortgage Broker in Oakville

June 10, 2026
Posted by Bryan Guertin

June 10, 2026 - Bank of Canada maintains the policy rate at 2.25%

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 conflict in the Middle East is now in its fourth

June 4, 2026
Posted by Bryan Guertin

First-Time Buyer GST/HST Rebate, What It Means for New Home Affordability in Canada

Buying a first home in Canada has not been easy. Between higher home prices, changing mortgage rates, stricter qualification standards, and the rising cost of everyday life, many first-time buyers hav

May 28, 2026
Posted by Bryan Guertin

Buying a Home in 2026? Why More Housing Starts May Not Mean More Choices

More homes being built in Canada should be encouraging news for homebuyers. More supply can support a healthier housing market over time and may gradually create more opportunities for Canadians w

May 11, 2026
Posted by Bryan Guertin

Mortgage Renewal in 2026: Fixed or Variable?

If your mortgage is coming up for renewal in 2026, you are probably asking one very practical question: should I choose a fixed rate or a variable rate? It is a fair question. After several yea

April 29, 2026
Posted by Bryan Guertin

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

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

April 15, 2026
Posted by Bryan Guertin

5 Most Important Issues That Can Delay a Mortgage Closing in Canada

Many Canadian homebuyers feel a sense of relief once they hear the words, "you are approved." That relief makes sense, but it can also create a false impression that the mortgage process is complete

April 7, 2026
Posted by Bryan Guertin

Why Buying Still Feels Hard in 2026, Even as More Homes Are Being Built

If you have been watching the headlines in 2026, you may be wondering why buying a home in Canada still feels so difficult. On the surface, some of the data sounds encouraging. More homes are being bu

March 20, 2026
Posted by Bryan Guertin

Newly Passed Bill C-4, What It Means for Canadian Mortgages

Newly Passed Bill C-4, What It Means for Canadian Mortgages If you are buying your first home, renewing a mortgage, or thinking about refinancing, newly passed Bill C-4 is worth understanding. It r

March 18, 2026
Posted by Bryan Guertin

March 18-2026 - Bank of Canada maintains policy rate at 2.25%

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 war in the Middle East has increased volatility in

March 9, 2026
Posted by Bryan Guertin

Affordability challenges spread across Canadian cities

A new report from CMHC highlights something many Canadians are already feeling firsthand. Housing affordability challenges are no longer just a Toronto and Vancouver story. While those two cities ha

Mortgage Broker Blog