If you’ve been following the headlines lately, there is a lot happening. Interest rates. Inflation. Bond yields. Oil prices. Government spending. Global investment. The U.S. Federal Reserve. The Bank of Canada. It can feel like every new headline should change what you’re doing with your mortgage. My advice? Stay the course. That doesn’t mean ignoring what’s happening in the economy. It means understanding that your mortgage decisions should be based first and foremost on you

When someone asks me what I do as a mortgage broker, the simple answer is that I help people get mortgages. But after working in mortgages since 2009, I can tell you that what I actually do goes much further than finding a mortgage rate. I help people make sense of their options. I help families figure out what they can comfortably afford. I help homeowners look at their mortgage, debts and monthly cash flow differently. I help self-employed clients navigate income that doesn

If you’re searching for the best Kelowna mortgage broker to guide your 2026 purchase, start with a clear plan. The Okanagan market has shifted since the frenzy of recent years, and the right mortgage strategy can save you time, money, and stress. Whether you’re buying your first home, upsizing for a growing family, or relocating to Kelowna, here are five things to know before you start shopping. Interest rates still matter — but strategy matters more Chasing the lowest headli

Meet Sarah and Mike. They’re first-time home buyers who are hoping to buy a home before the end of the year. They’ve been talking to me early — before they’ve even found the house — and we’re looking at their mortgage strategy, down payment and FHSAs. Here’s something interesting we discover. 120 days from today is December 12th. So let’s say Sarah and Mike find the right home and have a choice between closing on December 12th. But those days could matter. Sarah and Mike bot

If you've followed me for a while, you know I spend most of my time talking about mortgages, homeownership, and building wealth. Today, I'm stepping outside of that for a moment to share something a little more personal. I have ADHD. I was diagnosed as a child, and for over 40 years I've been learning how my brain works. I also haven't been medicated for well over 25 years. That was the right decision for me, but I want to be clear that this isn't a statement against medicati

If you've ever shopped for a mortgage, you've probably seen an advertisement promising the "lowest mortgage rate." At first glance, it seems like an easy decision. Why wouldn't you choose the cheapest option? The truth is, the lowest interest rate doesn't always mean the lowest overall cost. A mortgage is much more than a rate. It's a legal contract that affects your finances for years, and the flexibility built into that contract can save—or cost—you thousands of dollars ove

If you've been watching mortgage rates or wondering what the Bank of Canada might do next, today's inflation report is worth paying attention to. At first glance, the numbers look encouraging. Canada's annual inflation rate dropped to 2.8% in June 2026, down from 3.2% in May and slightly better than economists were expecting. That's welcome news for borrowers, homeowners, and anyone hoping interest rates continue to The bond market seemed to like the report too. Shortly after

Many Canadians are wondering when the next interest rate cut will arrive. The reality is that the Bank of Canada would likely welcome the opportunity to lower rates, particularly as economic growth remains sluggish. However, one major obstacle continues to stand in the way: energy inflation. Higher energy prices affect nearly every part of the economy. They increase transportation costs, manufacturing expenses, and ultimately the price consumers pay for goods and services. Wh

If you've been following the headlines lately, you've probably seen the word "recession" appearing more frequently. Technically speaking, Canada has now recorded two consecutive quarters of negative GDP growth—Q4 2025 and Q1 2026—which is the traditional textbook definition of a recession. But is Canada truly in a recession? The answer depends on who you ask. For many Canadians, the slowdown has felt like it has been building for some time. We've seen "For Lease" signs appear

There’s a bit of a push and pull happening in the market right now, and it’s important to understand both sides. On one hand, rising oil prices and inflation concerns are pushing bond yields higher, which is putting upward pressure on fixed mortgage rates. On the other hand, the Canadian economy is clearly slowing, and that should limit how aggressive the Bank of Canada can be moving forward. My main takeaway: Don’t just watch prices right now. Watch supply. Listings are star

The Bank of Canada has announced that it is holding its benchmark interest rate at 2.25% . This decision was widely expected, but the reasoning behind it matters—especially if you have a mortgage, are up for renewal, or are thinking about buying. Let’s break it down in a simple, easy-to-understand way. What’s Happening in Canada Right Now? The Canadian economy is showing mixed signals : The economy shrank slightly (0.6%) at the end of 2025 Consumer and government spending ar