Mortgage & Wealth Strategies
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Beyond The Rate
As expert mortgage brokers, we know building wealth through homeownership and achieving financial freedom is about more than just chasing the lowest rate—it’s about strategy.
We're taking you behind the scenes and giving you the insider tools and powerful strategies to get ahead. If you’re a first-time homebuyer, you’ll find everything you need to secure your first property and start building wealth from day one.
If you’re an existing homeowner, this is where you take control. Maximize the wealth-building potential of your current home with proven strategies for refinancing, leveraging equity, and optimizing your mortgage for bigger opportunities.
Your mortgage is more than a loan—it’s a gateway to long-term financial success.
Our goal is simple: to equip you with the knowledge and tools to make smart, strategic decisions that will transform your financial future.
Let’s get started.
Mortgage Renewals in Early 2025 – Where Might Rates End Up?
May 4, 2025 | Posted by: Matt Broom-Hall
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 ...
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April 16 - 2025 - Bank of Canada holds policy rate at 2.75%
April 16, 2025 | Posted by: Matt Broom-Hall
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 ...
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Tariffs and Their Effect on Interest Rates: What Canadian Homeowners Should Know
April 5, 2025 | Posted by: Matt Broom-Hall
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 ...
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Pros & Cons of Paying Off Your Mortgage Before Retirement
March 21, 2025 | Posted by: Matt Broom-Hall
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, ...
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Breaking Free from Debt: How a Strategic Refinance Created $1,350 in Monthly Savings
March 20, 2025 | Posted by: Matt Broom-Hall
Debt can feel like a never-ending cycle—one that sneaks up on you over time until the monthly payments start to feel overwhelming. This was the reality for one of my recent clients. Like man ...
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March 12-2025 - Bank of Canada reduces policy rate by 25 basis points to 2.75%
March 12, 2025 | Posted by: Matt Broom-Hall
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 ...
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Mortgage Renewal Coming UP and rates higher than 5 yrs ago - Consider increasing your amortization?
March 7, 2025 | Posted by: Matt Broom-Hall
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 ...
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How will tariffs potentially affect Interest rates
February 26, 2025 | Posted by: Matt Broom-Hall
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 ...
read moreBank of Canada reduces policy rate by 25 basis points to 3%, announces end of quantitative tightening
January 29, 2025 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 3%, with the Bank Rate at 3.25% and the deposit rate at 2.95%. The Bank is also announcing its plan to complete the normalization ...
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Fixed-Rate vs. Adjustable-Rate Mortgages: Which Might Be Right for You?
January 25, 2025 | Posted by: Matt Broom-Hall
Hello there, and welcome! As a mortgage broker here in Canada, I know that diving into the world of mortgages can feel like stepping into a labyrinth of numbers and jargon. Today, let's have a friendl ...
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