Mortgage & Wealth Strategies
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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.
With Inflation at 1.7%, What This Means for Canadians Considering a Home Purchase or Mortgage Refinance
August 19, 2025 | Posted by: Matt Broom-Hall
Did You Know? Did you know that Canada's latest inflation figure has cooled to 1.7% according to Statistics Canada? For everyday Canadians, this is more than a headline. It can point to lower bor ...
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Why U.S. Inflation May Be Nudging Canadian Mortgage Rates Higher
August 18, 2025 | Posted by: Matt Broom-Hall
We’re in that time of year when the summer heat is finally losing its edge—but unfortunately, inflation isn’t cooling off as much as we’d hoped. And while most of our rate ...
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What will tip the scales next in Canada's mortgage market?
August 12, 2025 | Posted by: Matt Broom-Hall
We’re heading into the dog days of summer, but there’s no slowing down in the mortgage world. Last week’s job numbers raised some eyebrows and gave us a fresh lens through which ...
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Is the Mortgage Stress Test on the Way Out?
August 7, 2025 | Posted by: Matt Broom-Hall
Is the Mortgage Stress Test on the Way Out? How OSFI's New Loan-to-Income Rules Could Reshape Borrowing in 2025-26 Canadian borrowers have spent the past seven years living with the mortgage "s ...
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Fixed and Variable Rate Options Continue To Battle It Out As Market Forces Shift.
August 5, 2025 | Posted by: Matt Broom-Hall
After weeks of subtle signals and slowdowns, something finally gave—at least in the bond market. While the Bank of Canada (BoC) stayed firm on its overnight rate last week, deeper shifts sug ...
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Bank of Canada holds policy rate at 2.75%
July 30, 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%. While some elements of US trade policy have started to become m ...
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Steady Rates, But Storm Clouds Are Gathering
July 28, 2025 | Posted by: Matt Broom-Hall
As we move into August, the Bank of Canada is set to make another rate announcement—and while no immediate changes are expected, there’s a growing sense that something’s got to g ...
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Inflation’s Not Cooling Yet —But Should You Sweat It?
July 22, 2025 | Posted by: Matt Broom-Hall
It’s late July, and while summer weather may be mellow, the mortgage market is heating up—just not in the way buyers or homeowners were hoping. New inflation data has onc ...
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Mortgage Payments Ease, Renewal Stress Grows in Canada
July 16, 2025 | Posted by: Matt Broom-Hall
Mortgage Payments Are Easing Yet Renewal Stress Is Real It feels like a collective exhale. After two grueling years of rapid interest‑rate hikes, the Bank of Canada has paused an ...
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Blanket Appraisals In Real Estate
July 14, 2025 | Posted by: Matt Broom-Hall
Pre-construction purchases have long been a go-to strategy for both investors and end-users—but they’re not without risk. One practice that’s coming under increased scrutiny, especia ...
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