Blog - Bryan Guertin, Mortgage Broker in Oakville

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

March 21, 2025
Posted by Bryan Guertin

Pros & Cons of Paying Off Your Mortgage Before Retirement

If retirement is approaching, you may be considering whether it's wise to pay off your mortgage early. As with many significant financial decisions, there isn't a one-size-fits-all answer. However,

March 12, 2025
Posted by Bryan Guertin

March 12-2025 - Bank of Canada reduces policy rate by 25 basis points to 2.75%

The Bank of Canada today reduced its target for the overnight rate to 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. The Canadian economy entered 2025 in a solid position, with infl

March 7, 2025
Posted by Bryan Guertin

Mortgage Renewal Coming UP and rates higher than 5 yrs ago - Consider increasing your amortization?

If your mortgage renewal date is approaching, it's important to take action. You might notice something that's hard to ignore: interest rates are significantly higher now than five years ago. You're n

February 26, 2025
Posted by Bryan Guertin

How will tariffs potentially affect Interest rates

As a mortgage broker in Canada, I often get questions about how global economic events might affect our financial landscape, particularly when it comes to interest rates and the cost of borrowing. One

February 21, 2025
Posted by Bryan Guertin

Navigating Uncertainty: How trade tensions could impact mortgages, housing, and rates

With trade wars and tariffs dominating the headlines recently, many are wondering what effect this could have on the housing market. Lower interest rates offer some relief but we're now facing the pot

February 5, 2025
Posted by Bryan Guertin

Is Now the Right Time to Refinance Your Mortgage?

With interest rates in Canada decreasing, many homeowners are considering whether this may be the ideal time to refinance. Refinancing involves replacing your current mortgage with a new one, idea

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