Mortgage & Wealth Strategies

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Mortgage and Wealth strategies

Beyond The Rate

As an expert mortgage broker, I know building wealth through homeownership and achieving financial freedom is about more than just chasing the lowest rate—it’s about strategy.

I'm 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.

My 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.

The Rate Drop That Might Not Come: Why Fixed Rates May Hold Their Ground

The Rate Drop That Might Not Come: Why Fixed Rates May Hold Their Ground

June 16, 2025 | Posted by: Matt Broom-Hall

It’s easy to believe that mortgage rates are on the way down. After all, inflation is easing, the economy is cooling, and there’s growing talk of future Bank of Canada cuts. But before you ...

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Did the Bank of Canada Just Miss Its Moment?

Did the Bank of Canada Just Miss Its Moment?

June 9, 2025 | Posted by: Matt Broom-Hall

Let’s Talk: Did the Bank Just Blink?The latest move—or more accurately, non-move—from the Bank of Canada has raised more than a few eyebrows this week.While economists and markets wi ...

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Why the Bank of Canada’s Rate Pause Isn’t a Green Light for Cheap Mortgages

Why the Bank of Canada’s Rate Pause Isn’t a Green Light for Cheap Mortgages

June 8, 2025 | Posted by: Matt Broom-Hall

If you've been waiting for interest rates to drop before locking in a mortgage, you're not alone. On June 5, 2025, the Bank of Canada (BoC) decided to hold its overnight lending rate at 4.75%, marking ...

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June 4-2025 - Bank of Canada holds policy rate at 2.75%

June 4-2025 - Bank of Canada holds policy rate at 2.75%

June 4, 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%. Since the April Monetary Policy Report, the US administration h ...

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Mortgage Renewals in 2025: Navigating Payment Increases Amid Rising Rates

Mortgage Renewals in 2025: Navigating Payment Increases Amid Rising Rates

May 17, 2025 | Posted by: Matt Broom-Hall

If you're among the thousands of Canadian homeowners with a mortgage renewal coming up in 2025, you might already be concerned about what rising interest rates could mean for your monthly payments. Du ...

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Bought Before They Sold: The Lending Strategy That Made It Happen

Bought Before They Sold: The Lending Strategy That Made It Happen

May 13, 2025 | Posted by: Matt Broom-Hall

One of the most valuable things a mortgage broker can offer isn’t just access to lenders—it’s access to solutions.Recently, I worked with clients who had spent years looking for thei ...

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Mortgage Renewals in Early 2025 – Where Might Rates End Up?

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 - 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

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

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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