by Rakhi Madan | Oct 2, 2026 | Credit, Renewal |
Mortgage renewal shouldn’t feel automatic – where your lender sends you an offer, you choose a term, sign, and move on. Your renewal is an opportunity to make sure your mortgage still works for you — and your credit, debt, and home equity can have a bigger...
by Rakhi Madan | Apr 7, 2026 | Purchases, Refinance, Renewal |
When most people shop for a mortgage, the conversation quickly narrows to one thing: the rate. It’s the number that gets advertised, compared, and negotiated. And it feels like the clearest way to measure whether you’re getting a good deal. But a mortgage isn’t just a...
by Rakhi Madan | Mar 5, 2026 | Purchases, Refinance, Renewal |
For the past two years, many Canadian homeowners and buyers have been waiting for one thing: lower interest rates. While rates have come down from their peak, the conversation today has shifted from when rates will fall to how stable they may remain. Inflation has...
by Rakhi Madan | Jan 7, 2025 | First Time Home Buyer, Purchases, Refinance, Renewal |
The housing market in 2024 was tough for Canadians. Even though rates came down, they were still too high for many clients trying to purchase, refinance, or renew their mortgages. Some people couldn’t qualify even though they had done many things right. While there...
by Rakhi Madan | Dec 2, 2024 | Renewal |
When your mortgage renewal letter arrives, it may feel tempting to simply sign and stick with your current lender. After all, they make the process quick and convenient. But in today’s evolving mortgage environment, exploring all your options can open the door to...
by Rakhi Madan | Feb 4, 2024 | First Time Home Buyer, Purchases, Renewal |
While nothing is certain, Bank of Canada cuts to the overnight rate are on tap for 2024, possibly starting in April. The strong potential for rate cuts has made variable and adjustable mortgages a top consideration for some homebuyers and homeowners because these...
