Mortgage Blog

Can You Buy or Refinance an Acreage in BC's Agricultural Land Reserve (ALR)?

November 13, 2026 | Posted by: Nadia Causley

Last updated: November 13, 2026 Yes, you may be able to buy or refinance an acreage in BC's Agricultural Land Reserve (ALR) with a mortgage. ALR designation does not automatically rule out financin ...

Can You Qualify for a Mortgage After Changing Jobs or Losing Income in Canada?

November 9, 2026 | Posted by: Nadia Causley

Changing jobs, losing employment, or experiencing a reduction in income can raise an important question: can you still qualify for a mortgage in Canada? The answer is yes, potentially. A recent j ...

Bank of Canada raises the policy rate by 25 basis points to 2.25%

October 28, 2026 | Posted by: Nadia Causley

The Bank of Canada today increased 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%. Since the July Monetary ...

Fixed vs. Variable Mortgage Rates in Canada: 2026 Guide

October 23, 2026 | Posted by: Nadia Causley

If your mortgage is coming up for renewal in 2026, one of the biggest decisions is whether to choose a fixed or variable interest rate. A fixed rate offers predictable interest costs for your chosen ...

Mortgage Renewal 2026: Lock In Now or Wait?

October 19, 2026 | Posted by: Nadia Causley

If your mortgage is coming up for renewal this fall, you may be asking a familiar question: should you accept a rate now, or wait to see what the Bank of Canada does next? The next scheduled announcem ...

Should You Get Pre-Approved Before Looking at Acreages in BC?

October 13, 2026 | Posted by: Nadia Causley

For an acreage mortgage in BC, you usually need the same basic documents as a standard mortgage, including income confirmation, down payment details, identification, credit information, and property ...

Mortgage Renewal 2026: What a Rate Hold Means for You

October 7, 2026 | Posted by: Nadia Causley

Renewing Your Mortgage This Fall? What a Bank of Canada Rate Hold Means for You Your mortgage renewal arrives, and the payment is higher than you expected. Yet the latest headline says the Bank ...

Has Your Income Changed? What to Check Before Refinancing Your Mortgage

September 14, 2026 | Posted by: Nadia Causley

Your hours have been reduced. You have started a new job. Or your household is managing on one income while you work out what comes next. If you own a home, refinancing may seem like a practical way t ...

What Documents Do You Need for an Acreage Mortgage in BC?

September 13, 2026 | Posted by: Nadia Causley

Last updated: September 13, 2026 For an acreage mortgage in BC, you usually need the same basic documents as a standard mortgage, including income confirmation, down payment details, identification, ...

Sept 2-2026 - Bank of Canada maintains the policy rate at 2.25%

September 2, 2026 | Posted by: Nadia Causley

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The continuing conflict in the Middle East is keeping ...