Blog - Bryan Guertin, Mortgage Broker in Oakville

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

February 24, 2026
Posted by Bryan Guertin

Spring 2026 Home Buying Canada, Listings vs Affordability

Spring 2026 Home Buying in Canada, Why More Listings Still Do Not Automatically Mean Affordable Payments If you are shopping for a home this spring, you may be hearing a confusing message, there ar

February 10, 2026
Posted by Bryan Guertin

Canada's Rental Market Overview for 2025 and going into 2026

Canada's rental market finally showed signs of breathing room in 2025. After several years of ultra-tight conditions, CMHC reports that vacancy rates rose across all major census metropolitan areas (C

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

Mortgage Broker Blog