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.
September 17-2025 - Bank of Canada lowers policy rate to 2.5%
September 17, 2025 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.45%. After remaining resilient to sharply higher ...
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Why Mortgage Rates Could Be Heading Lower—On Both Sides of the Border
September 15, 2025 | Posted by: Matt Broom-Hall
With central banks in both Canada and the U.S. gearing up for potentially pivotal decisions this week, things are about to get interesting in the mortgage world. Everything—from bond yields ...
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Why The Bank of Canada May Blink Soon
September 8, 2025 | Posted by: Matt Broom-Hall
With over 100,000 jobs lost in just two months and the unemployment rate climbing to its highest level since 2016, it's safe to say Canada’s economy isn’t on cruise control anymore.Add ...
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CMHC - Monthly Housing Starts - July 2025
September 3, 2025 | Posted by: Matt Broom-Hall
Canadian Monthly Housing Starts and Other Construction Data Tables - July 2025 At our mortgage brokerage, we make it a priority to follow the Canada Mortgage and Housing Corporation's (CMHC) monthl ...
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Canada’s Economy Stumbles—Here’s How It Could Impact Your Mortgage
September 2, 2025 | Posted by: Matt Broom-Hall
The Canadian economy is flashing some warning lights—contracting GDP, shaky jobs numbers, sinking exports—all of which are fueling fresh speculation that the Bank of Canada may be clos ...
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September Rate Cut? Here’s How Bond Markets Are Really Responding
August 25, 2025 | Posted by: Matt Broom-Hall
We're seeing a shift in the wind—and it’s starting to smell like rate relief.Canada’s latest inflation numbers are in, and for the second month in a row, price growth has cooled ...
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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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