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  • Canada’s 2026 Housing Outlook Stabilizes

    Canada’s 2026 Housing Outlook Stabilizes

    Buyer confidence is gradually improving as Canadians anticipate a steadier, more predictable housing environment heading into 2026.

    First-time buyers are set to play a major role next year, encouraged by easing conditions and a more positive economic outlook.

    A modest 0.5%–1% rate drop early in 2026 could quickly unlock pent-up demand as buyers watch the Bank of Canada closely.

    Markets nationwide are moving toward balance, with affordability, commuting needs, and regional stability guiding buyer decisions as 2026 approaches.

  • Happy New Year!

    Happy New Year!

    A new year arrives with fresh goals, bold ideas, and the momentum to turn today’s plans into tomorrow’s lasting success.

    2026 begins with opportunity ahead, inviting smarter decisions, renewed focus, and confidence to shape what comes next.

    Happy New Year 2026, a time to celebrate progress, embrace change, and move forward with optimism, purpose, and clarity.

  • How Portable Mortgages Actually Work

    How Portable Mortgages Actually Work

    Portable mortgages let homeowners transfer an existing low-rate loan to a newly purchased property.

    When upgrading to a pricier home, borrowers must cover cost differences with cash or higher-rate loans.

    The U.S. lacks portable mortgages due to long loan terms and reliance on mortgage-backed securities.

    Portability works abroad because shorter mortgage terms reduce risk of decades-long interest-rate commitments.

    While helpful for current owners, portable mortgages may raise home prices and offer minimal benefit to newcomers.

  • Guidelines For Getting A Mortgage With Student Loans

    You can qualify for a mortgage with student loan debt if your debt-to-income (DTI) ratio meets lender requirements, typically not exceeding 43%. Some loans, like physician mortgages or those with co-signers, may exclude student loans from DTI. Options to improve approval chances include income-driven repayment plans, adding co-borrowers, and exploring low down payment loans. Different mortgage programs have specific student loan guidelines. Paying off loans first depends on interest rates, DTI, and savings.

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  • The Essential Home Selling Price Tips Every Homeowner Must Know

    Determining a home's value is essential for setting the right price and assessing investment worth. Use online estimators as a starting point and consult real estate agents for comparative market analysis based on recent sales. Strategic pricing attracts buyers and can spark bidding wars. Avoid overpricing or underpricing to prevent extended market time or undervaluation. Collaborating with an agent helps list the home at its optimal market value.

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  • Fourteen strategies to get the mortgage monkey off your back faster

    Paying off a mortgage quickly can save significant money. Strategies include making higher repayments, opting for fortnightly payments, consolidating debts, and using home equity. Switching to a lender with a lower rate can also reduce costs. Sacrificing minor luxuries and staying informed about market changes can help. Paying upfront fees and the first installment early can provide advantages. Shopping around for the best loan and choosing one that fits your needs is crucial. Keeping an eye on deals and maintaining higher payments after switching can further expedite mortgage payoff.

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  • Happy Holidays

    Happy Holidays

    The middle of winter has long been a time of celebration around the world.
    Many peoples rejoiced during the winter solstice, when the worst of the winter was behind them, and they could look forward to longer days and extended hours of sunlight.Popular modern customs include gift-giving and the display of various holiday decorations.Here's wishing you Happy Holidays! May the good times and treasures of the present become the golden memories of tomorrow. We hope you have a safe and relaxing holiday season.Happy Holidays!

  • Are “Good Rates” About to Wake Real Estate?

    Are “Good Rates” About to Wake Real Estate?

    Slide 1

    Rates finally sit in a “good place,” but buyer confidence hasn’t fully bounced back yet.

    Slide 2

    Canada’s nine rate cuts brought major relief, yet affordability still challenges first-time buyers nationwide.

    Slide 3

    Lower borrowing costs usually boost sales, so stronger buyer activity could show up early next year.

    Slide 4

    A recession-triggering trade fight could stall housing, even though only 16% fear buying right now.

    Slide 5

    Despite uncertainty, limited detached-home construction means anyone waiting for a price crash may wait years.

  • How to Use a First Home Savings Account (FHSA)

    The First Home Savings Account (FHSA) helps first-time Canadian home buyers save up to $40,000 tax-free for a down payment. Contributions are tax-deductible, with an $8,000 annual limit and carry-forward allowed. Withdrawals for qualifying home purchases are tax-free, while non-qualifying withdrawals are taxed. Funds can be invested tax-free and transferred to RRSPs if unused. The FHSA complements the Home Buyers’ Plan but has lower contribution limits.

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  • Will Canada Cut Rates Again?

    Will Canada Cut Rates Again?

    Analysts see December as a pause, not the end of easing, with more cuts possible if growth and jobs weaken.

    Economic slack, labor softness, and trade tensions increase pressure for additional policy support in 2026.

    Bank signals limits of monetary policy amid tariffs, but economists expect further easing if conditions deteriorate.

    Fiscal stimulus may help, but slow impact could prompt renewed cuts if unemployment rises or demand cools.