Blog - Bryan Guertin, Mortgage Broker in Oakville

January 28, 2026
Posted by Bryan Guertin

Jan 28-2026-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 outlook for the global and Canadian economies is

January 25, 2026
Posted by Bryan Guertin

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

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

January 13, 2026
Posted by Bryan Guertin

Why Inflation Is Cooling but Homeownership Still Feels Expensive in Canada

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

December 23, 2025
Posted by Bryan Guertin

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

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

December 15, 2025
Posted by Bryan Guertin

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

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

December 10, 2025
Posted by Bryan Guertin

Dec 10-2025 - 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%. Major economies around the world continue to show res

November 21, 2025
Posted by Bryan Guertin

Fall 2025 Canadian Mortgage Trends & Insights Report

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 % in

November 10, 2025
Posted by Bryan Guertin

Nov. 2025 - How the Bank of Canada Rate Cut Affects Your Refinancing Strategy

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

October 29, 2025
Posted by Bryan Guertin

Bank of Canada lowers policy rate to 2.25%

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

October 20, 2025
Posted by Bryan Guertin

Canadian Home Sales Poised for a Strong Finish in 2025

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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