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.
Is inflation actually lower than reported?
October 7, 2025 | Posted by: Matt Broom-Hall
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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 dropped an interesting hint: they believe inflation may already be lower than it appears.
That changes everything.
Fixed mortgage rates remained flat last week, with bond yields drifting in a narrow range. Lenders didn’t make any major moves, so if you’re shopping around, three- and five-year fixed rate terms are still widely available at appealing levels—particularly for those seeking stability.
Variable rate discounts also held steady, though speculation remains high that more cuts are coming. Remember, the Bank of Canada’s (BoC) overnight rate still sits at 2.50%. Historically, that rate hasn’t begun to meaningfully boost borrowing and housing demand until it dips to around 2%—or lower. All signs right now suggest we’re heading that way.
How do we know? Enter: inflation.
In a speech last week, BoC Deputy Governor Rhys Mendes flagged a disconnect between how bond markets are assessing inflation and how the central bank sees it. While typical core inflation measures suggest we’re sitting around 3%, Mendes says the Bank's own internal estimate is closer to 2.5%—and trending lower.
That’s getting awfully close to their 2% target, and it means the BoC may feel more confident cutting rates if economic weakness mounts. And that's especially relevant as economic indicators—such as job growth—continue to soften on both sides of the Canada–U.S. border.
Plus, a temporary U.S. government shutdown is cutting off access to new American data. That unpredictability could cause market volatility and push investors even more toward rate-cut expectations.
Tip of the Week
First-time buyers: Don't focus on how much you can borrow. Focus on how much you can realistically afford each month—without stretching your lifestyle too thin. Your pre-approval gives you a “max” number, but that doesn't mean it's your ideal number or the amount you should purchase at.
This post shows you How to Create a Budget That Works and provides a free budgeting worksheet.