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Category: Market Commentary (32 posts)
Alberta Mortgage Strategies for Fall 2025: What Lenders Aren’t Telling You
October 22, 2025 | Posted by: Matt Broom-Hall
Alberta Mortgage Strategies for Fall 2025: What Lenders Aren't Telling You Say hello to the mortgage strategies that put you in the driver's seat , where smart moves trump basic rate shopping every ...
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Fixed Rates Are Slipping — Here’s What’s Behind It
October 20, 2025 | Posted by: Matt Broom-Hall
After a few quiet weeks, one speech lit up the bond market. With scant data thanks to the ongoing U.S. government shutdown, investors hung on every word from south of the border—and heard a ...
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Is inflation actually lower than reported?
October 7, 2025 | Posted by: Matt Broom-Hall
This week, we’re seeing signs that could mark an important turning point for Canadian homeowners and buyers alike. While fixed and variable mortgage rates stayed steady, the Bank of Canada d ...
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Are More Rate Cuts Coming… or Just Wishful Thinking?
September 29, 2025 | Posted by: Matt Broom-Hall
Things Are Moving… But Not Quite Shaking (Yet).Just as we were all bracing for another gloomy round of economic indicators, Canada’s July GDP came in slightly better than expected&mda ...
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Mortgage Rates and Strategy in a Falling-Rate Environment
September 22, 2025 | Posted by: Matt Broom-Hall
It’s Official: The Rate Cuts Are Back!We’ve officially entered “rate cut season” in Canada. The Bank of Canada trimmed its key interest rate by another 0.25% this past week ...
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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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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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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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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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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 Rate Pressure Is Back—Here's How to Stay Ahead
July 14, 2025 | Posted by: Matt Broom-Hall
Canada’s Fixed Rates Are Climbing—Here’s What It Means for You. After months of mortgage rate 'will-they-won’t-they,' we finally saw movement last week—and not the k ...
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Why the U.S. Is Holding Back Canadian Mortgage Relief
July 7, 2025 | Posted by: Matt Broom-Hall
As we settle into July, you might be wondering why we haven’t seen more movement from the Bank of Canada on interest rates—especially with inflation easing on home turf. Well, like many th ...
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BoC Rate Cuts Ahead? What Canada’s Cooling Inflation Tells Us
June 30, 2025 | Posted by: Matt Broom-Hall
As summer heats up, the Canadian mortgage market is moving into a quieter—but no less strategic—phase. With Canada grooving into another hot July (and Happy Canada Day to you!), the attent ...
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Why Now Could Be the Sweet Spot for 5-Year Fixed Mortgages
June 23, 2025 | Posted by: Matt Broom-Hall
Now’s the Time to Pay Attention to Fixed vs. VariableAs we head into the last stretch of June, all eyes are on tomorrow’s inflation data—and for good reason. It could be the tipping ...
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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?
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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Bank 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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Market Commentary – What December’s Numbers Mean for 2025
January 5, 2025 | Posted by: Matt Broom-Hall
Market Commentary – What December’s Numbers Mean for 2025 Happy New Year, everyone! 2025 has arrived, and with it comes a fresh wave of optimism for the real estate market. I’m back ...
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Government announces boldest mortgage reforms in decades to unlock homeownership for more Canadians
December 16, 2024 | Posted by: Matt Broom-Hall
Canadians work hard to be able to afford a home. However, the high cost of mortgage payments is a barrier to homeownership, especially for Millennials and Gen Z. To help more Canadians, particularly y ...
read moreDec 11-2024 - Bank of Canada reduces policy rate by 50 basis points to 3.25%
December 1, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 3¼%, with the Bank Rate at 3¾% and the deposit rate at 3¼%. The Bank is continuing its policy of balance shee ...
read moreOctober 23-2024: Bank of Canada reduces policy rate by 50 basis points to 3.75%
October 23, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 3¾%, with the Bank Rate at 4% and the deposit rate at 3¾%. The Bank is continuing its policy of balance sheet normal ...
read moreSept 4th, 2024 - Bank of Canada reduces policy rate by 25 basis points to 4.25%
September 4, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 4¼%, with the Bank Rate at 4½% and the deposit rate at 4¼%. The Bank is continuing its policy of balance shee ...
read moreJuly 7, 2024 - Bank of Canada reduces policy rate by 25 basis points to 4.5%
July 5, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 4½%, with the Bank Rate at 4¾% and the deposit rate at 4½%. The Bank is continuing its policy of balance shee ...
read moreJune 5 - 2024 - Bank of Canada reduces policy rate by 25 basis points
June 5, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today reduced its target for the overnight rate to 4¾%, with the Bank Rate at 5% and the deposit rate at 4¾%. The Bank is continuing its policy of balance sheet normal ...
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April 10-2024 - Bank of Canada maintains policy rate, continues quantitative tightening
April 10, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5¼% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. The B ...
read moreBank of Canada maintains policy rate, continues quantitative tightening
March 6, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5.25% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. Global eco ...
read moreBank of Canada maintains policy rate, continues quantitative tightening
January 24, 2024 | Posted by: Matt Broom-Hall
The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5.25% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. Global eco ...
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Canada's New Updated Mortgage Charter
November 23, 2023 | Posted by: Matt Broom-Hall
The Canadian Mortgage Charter spells out the rights consumers have when they are renegotiating mortgages. It calls on financial institutions to provide better relief measures over the next three years ...
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