Blog - Bryan Guertin, Mortgage Broker in Oakville

July 16, 2025
Posted by Bryan Guertin

Mortgage Payments Ease, Renewal Stress Grows in Canada

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 and

July 9, 2025
Posted by Bryan Guertin

Double-Barrel Down Payments: FHSA + New $60k HBP Withdrawal Rules Explained

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

June 23, 2025
Posted by Bryan Guertin

Bank of Canada June Rate Hold: Mortgage Strategy 2025

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

June 8, 2025
Posted by Bryan Guertin

Why the Bank of Canada�s Rate Pause Isn�t a Green Light for Cheap Mortgages

If you've been waiting for interest rates to drop before locking in a mortgage, you're not alone. On June 5, 2025, the Bank of Canada (BoC) decided to hold its overnight lending rate at 4.75%, marking

June 4, 2025
Posted by Bryan Guertin

June 4-2025 - Bank of Canada holds policy rate at 2.75%

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%. Since the April Monetary Policy Report, the US administration h

May 17, 2025
Posted by Bryan Guertin

Mortgage Renewals in 2025: Navigating Payment Increases Amid Rising Rates

If you're among the thousands of Canadian homeowners with a mortgage renewal coming up in 2025, you might already be concerned about what rising interest rates could mean for your monthly payments. Du

May 4, 2025
Posted by Bryan Guertin

Mortgage Renewals in Early�2025 � Where Might Rates End�Up?

A friendly guide for Canadian homeowners who are about to renegotiate one of the biggest contracts of their lives. Introduction - Why Everyone Is Talking About 2025 Renewals If your mortgage is co

April 16, 2025
Posted by Bryan Guertin

April 16 - 2025 - Bank of Canada holds policy rate at 2.75%

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%. The major shift in direction of US trade policy a

April 5, 2025
Posted by Bryan Guertin

Tariffs and Their Effect on Interest Rates: What Canadian Homeowners Should Know

You might be surprised to learn how tariffs-taxes on imported goods-can affect your mortgage or home-buying plans. Tariffs can indirectly influence interest rates, which impacts mortgage payments and

March 26, 2025
Posted by Bryan Guertin

Spring Market Outlook: What Buyers and Homeowners Need to Know

Spring is here, and with it comes one of the busiest times in the Canadian housing market. As the snow melts and For Sale signs start popping up, many buyers and sellers are wondering: what's the mark

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