Joe Saray
Courtier hypothécaire

Latest Mortgage News

• Understanding the Risks of Ultra-Low-Interest Rate Mortgages
• June 4-2025 - Bank of Canada holds policy rate at 2.75%
• April 16 - 2025 - Bank of Canada holds policy rate at 2.75%
• Spring Market Outlook: What Buyers and Homeowners Need to Know
• March 12 - 2025 Bank Of Canada Rate Update
• Bank of Canada Rate Update - Jan 29-2025
• Do you need a Personalized Paydown Plan for your holiday bills?
• New Year, New Home Goals: Essential Home Maintenance Tips for 2025
• Is Getting a Home Inspection Worth It?
• Six reasons to work with an expert on your mortgage renewal
• October 23-2024: Bank of Canada reduces policy rate by 50 basis points to 3.75%
• Is a Reverse Mortgage Right For You?
• Mortgage loan rules are changing in Canada
• Is there a perfect time to purchase a home?
• Steady as it goes - Bank of Canada maintains its key policy rate at 5.0 per cent
• FAQs: Navigating the Ins and Outs of Mortgage Creditor Insurance
• When the going gets tough, Canadian homebuyers get creative
• This year create financial resolutions that you can stick to
• The Pros and Cons of Locking In
• A fresh look at the opportunities in todays housing market
• A look at how rate increases impact different mortgage types
• Budgeting for inflation
• Mortgage Fundamentals for Home Purchases
• How rising rates can affect your mortgage
• The Tax Free First Home Savings Account (FHSA) explained
• Spring clean your finances
• HIGHER INTEREST RATES ARE HERE. WHAT DOES THAT MEAN FOR YOU?
• Sensible strategies to help you thrive in 2022
• Preparing for higher rates
• The lowdown on appraisals
• What is involved in giving your child a boost to home ownership?
• Six tips for financial fitness this Fall
• 6 Ways for Homeowners to Build Wealth
• Fixed or variable-rate mortgage?
• Recent Mortgage Rule Changes
• The lowdown on the mortgage approval process
• 5 reasons homeowners refinance their mortgage
• Important credit score tips
• Could an investment property be your pension?
• No need to panic over new mortgage rules
• Six questions answered
• Mortgage deferrals and ten more timely tips
• What now? Making sense of a changing marketplace
• Coming soon! Feds ease up on the stress test
• My home is...
• 10 ways to plug the money leaks
• Financial comfort and joy!
• Climate change and your mortgage
• What is the best mortgage rate?
• Five Incentives for First-Time Buyers
• How to get a mortgage if you have bad credit
• The lowdown on the First-Time Buyer Incentive
• Why early payout penalties matter now more than ever
• June Newsletter 2019
• The lowdown on downpayments
• This is what the federal budget means for homebuyers
• Homeownership trend - buying with a friend
• 6 reasons to work with an expert on your mortgage renewal
• 8 tips you won't get from your bank in 2019
• Broker vs Banker
• Five brilliant ways to use a reverse mortgage
• Fixed or Variable-Rate Mortgage?
• Top 5 Reasons to Refinance
• Prepare Early for Your Mortgage Renewal
• How to Get a Kitchen With Your New Mortgage
• Why Variable Rate Drops Are Creating a Surge in Activity
• What is the Qualifying Rate?
• Who Should Get a Mortgage Pre-Approval?
• Five Credit Habits That Can Boost Your Credit Score
• Four Insurance Definitions for Homebuyers
• For 2018: Ten Mortgage Tips You Won't Get From Your Bank
• Act now to restructure your debt
• Purchase or Refinance Now Before Rules Change in January
• How to Deal With Mortgage Payment Difficulties
• After the Rate Hike... What's Next?
• This is How to Buy and Renovate
• 'Conditional on Financing': The Most Important Part of Your Offer
• Bridge Financing: What You Need to Know
• What is an Interest-saving Mortgage?
• This Is Why Mortgage Rates Are Suddenly Way More Complicated
• Why Mortgage Before March 17?
• Bank of Canada maintains overnight rate target at 1/2 per cent
• Surviving and Thriving: Your Mortgage Blueprint for 2017
• 5 Ways to Improve Mortgage Qualifying Success
• Should you stress about the stress test?
• Which renovations go right to your bottom line?
• 5 Ways to Plug the Money Leaks
• This is the homebuyer of the Future
• Which Mortgage Features are the Most Important?
• Anatomy of a Mortgage Broker - Infographic
• Give Yourself Some Credit
• Sunny Days! We Expect a Great Spring Market
• The Mortgage Kit - Start With Proof of Your Income
• What's on Your Bucket List?
• House over $500,000? New Downpayment Rules in February
• New Downpayment Rules - Infographic
• Ten great reasons to use a mortgage broker
• Six Ways to Boost Your Credit Score
• Five Reasons Why You Should Let Renters Help Pay Your Mortgage
• Your Home's Fall Checklist
• No Bank of Canada Rate Change
• When you've got 'rate envy', does it make sense to refinance?
• Now and then: Do Canadian homes really cost that much more than 30 years ago?
• Your mortgage could be a goldmine of potential savings
• Five things to watch after the Bank of Canada's latest rate cut
• Smooth move! Nine tips to survive the buy/sell
• Should millennials worry about trying to buy a house?
• Housing affordability declines in Toronto, Vancouver in Q1: report
• A third of Canadians would struggle if mortgage rate grew by only 1%, survey finds
• How to Fraud-proof Your Home
• Show me the money! What you need to know about your downpayment
• 6 tips to help you renew your mortgage
• Top takeaways from the Bank of Canada’s decision — and a ‘few new wrinkles’
• Canadians owe more, but they have more too: StatsCan
• How to get the best possible mortgage rate
• Canada Mortgage and Housing Corp takes aim at homebuyers with less than 10% down
• Three reasons buying a home is possible... with bad credit
• Amid fierce mortgage battle, some banks shifting focus from rates to features
• How to turn your mortgage into a tax advantage
• Shopping for a mortgage? Why you shouldn't ignore posted rates
• Renovating vs. moving: It's a numbers game
• 6 reasons to get unlimited private lessons with a pro!
• 15 Smart Ways to Save When You're Buying a Home
• Financial Rock. And Roll.
• Purchasing a home: 11 fees to keep in mind besides your mortgage
• Top five takeaways from Bank of Canada's surprise rate cut
• Our top ten mortgage tips for a smart 2015
• 4 Ways to Drop Your Debt Weight This Year
• Top 10 Most Common Real Estate Regrets
• Opening doors, not building walls
• Great news coming if you're renewing a mortgage, you're about to save money
• 3 simple things that can destroy your credit score
• How to house-hunt with your head, not your heart
• Ten Steps to Homeownership - November News
• The ultimate millennials' guide to mortgages
• 5 ways to pay off your mortgage faster
• How new Canadians can find their financial footing
• Getting squeezed by high house prices? Head for the suburbs
• Nine ways to power-save your way to a down payment
• Go ahead. Jump in! October Newsletter
• Renewing your mortgage? Here's why you should pick up the phone
• Canada Average Home Price Rises...again, August Sales Up: CREA
• Just Because You Can Get a Big Mortgage Doesn't Mean You Should
• Nearly a third of Canadians have one month or less in emergency savings: survey
• September 2014 Newsletter
• Survey show 80% of renters under 50 desire home ownership
• Housing starts showing signs of easing over next two years: CMHC
• August 2014 Newsletter
• Half of Canadians doing more to pay down their mortgages: CIBC
• How the housing market has cooled in most of Canada
• Canadian home sales rise 0.8% to highest level in four years
• July 2014 Newsletter
• CMHC policy change on second homes fails to dent cottage sales
• Here comes the echo boomer to save the housing market
• Buy, rent, upsize or downsize? How to make the best move in today's housing market
• What to do if you can't pay your mortgage
• June 2014 Newsletter
• CMHC probes how much Bank of Mom and Dad may be skewing real estate market
• Buying or renovating a home? Look for cash back from the taxman
• May 2014 Newsletter
• Private mortgage insurers opt not to match CMHC's cuts
• CMHC cutting back on what it covers with mortgage default insurance
• Mini or maxi mortgage reforms in store for Canada?
• Questions to ask before breaking your mortgage
• Spring clean your way to a more valuable home
• April 2014 Newsletter
• Mortgage brokers go the extra mile
• First-time home buyers' average budget rises to $316,000: BMO
• Mortgage shopping? Two stars and four dogs from today's market
• Bank of Canada cautious on growth, warning Ukraine tensions are stoking global uncertainty
• March Newsletter
• February Newsletter
• Should cash-strapped retired home owners eye HELOCs or reverse mortgages?
• Loonie hits 4-year low as Bank of Canada holds rate at 1%
• What you need to know before, and after, buying a condo
• Sellers to benefit in strong spring housing market: report
• Our Top 10 Mortgage Tips for 2014
• Women the new 'wildcard' in the condo market
• Bank of Canada keeps interest rate at 1%
• One casualty of new restrictions could be 30-year mortgages
• With inflation below 1%, prospects for higher interest rates recedes further
• 5 essential money lessons from The Wealthy Barber Returns
• BoC chief Stephen Poloz says Canadian housing market not a bubble, predicts soft landing
• November Newsletter
• CMHC cuts 2014 housing starts forecast, signalling slowing market
• Are BoC governor and Flaherty on opposite sides over use of quantitative easing?
• Former CMHC competitor petitions for mortage insurance fees to drop
• Why bond investors don’t hate Congress
• October Newsletter
• Canadian Real Estate Association raises outlook for home sales this year
• National Household Survey: what Canadians earned and where they lived
• Canadian Real Estate Association raises home sales outlook for 2013
• Home Renovation Financing Options
• September Newsletter
• The Smith Manoeuvre: A Canadian mortgage tax-deductible plan
• Homes less affordable, but Canadians keep buying nonetheless
• Canadian housing starts relatively stable in July, CMHC reports
• August Newsletter
• CMHC cools mortgage market with new cap for banks
• Can you handle higher interest rates?
• Pick the right term, pay off mortgage faster
• Bank of Canada warns of 'choppy' economy
• Tighter mortgage rules not cooling luxury home sales
• Homeowners confess their dumbest remodeling mistakes
• July Newsletter
• 12 Reasons Why You’ll Be Happier in a Smaller Home
• FlexHousing™: A Home that Adapts to Your Life
• Baby Boomers reveal deepest financial regrets
• Are reverse mortgages a good idea for retirees?
• Pre-approved financing may not be enough for home purchase
• Why rising mortgage rates won’t tank the housing market
• The case for locking in your mortgage
• Are Canada’s mortgage wars over?
• Why you need to pay off your mortgage before retirement
• June Newsletter
• Plenty of advice, as well as problems, as Poloz takes reins of Bank of Canad
• Bank of Canada holds rate steady as Carney exits
• How to get value out of your house without selling
• Homeowners: Don’t be caught flat-footed when interest rates rise
• OSFI probes longer-term uninsured mortgages
• May Newsletter
• Condo slowdown takes toll on Canadian housing starts
• Negotiating your first mortgage? Check out these tips
• Flaherty stuns Bay Street, names Stephen Poloz Bank of Canada governor
• Tips for New Homeowners
• 12 House-Hunting Tips to Help You Make the Right Choice
• Get ready condo flippers, Canada Revenue Agency is hunting you
• Bank of Canada cuts growth forecast, holds rates
• Home prices tick higher despite sales slump
• April Newsletter
• Are you average? This is what first-time home buyers look like in Canada
• Canadians don’t expect to be mortgage-free until age 57, survey finds
• Why you should lock in your mortgage
• Should mortgage shoppers choose the 1 or 5-year fixed rate?
• Are you ready to buy a house? Read these home truths first
• How to score the best deal on your mortgage
• First-time buyers poised to stand tall even as Canadian home purchase intentions fall: RBC
• Brokers pursue mortgage break for first-time home buyers
• Battle of housing bubble won, Carney focuses on economic growth
• Home sales slip further, but signs of traction emerge
• Flaherty warns banks over igniting mortgage war as BMO cuts rates
• Home costs take slightly smaller bite of household budget in fourth quarter: RBC
• 24 things you didn’t know about credit cards
• Cooling housing market part of economic transition, Mark Carney says
• Mortgage rules take bite out of building permits
• Good debt, bad debt: Which do you have?
• Banks are raising rates - for those who can't manage their debt
• Bank of Canada leans away from interest rate hike
• Is Canada talking itself into a housing crisis?
• Housing market : Prices steady, but sales down 17%
• How single women – and what they want – are shaping the new housing market
• Looking to invest? Pay down your mortgage instead
• Bank of Canada could raise rates half a per cent this year, says RBC outlook
• 7 simple rules to get the most from your TFSA
• RRSP deadline causes stress, BMO survey says
• Mild correction expected for housing market: Royal LePage
• 5 loopholes in tough new home down-payment rules
• Consumer Debt: Canadians Focusing On Paying Off Bills, Worrying Less About Retirement
• CMHC must stay in government hands
• The costs of buying and selling a home
• These holidays, put those unused gift cards to work
• Canada's housing market: a victim of demographics
• Bank of Canada keeps key interest rate at 1%
• Hidden costs of home ownership
• TFSAs grow up: Why RRSPs now have some serious competition
• Five ways to make your home renos pay off
• As tougher mortgage rules slow housing market, critics call for a reversal
• Mark Carney named Bank of England governor
• Inflation unchanged as prices increase 1.2% in October
• Vast majority now favour fixed-rate mortgages
• Canada's home sales cool: How bad is your market?
• Avoid nightmare on retirement street: Pay off your mortgage
• Rent vs. buy? With real estate, it depends
• Boomers warned using home sale to fund retirement could backfire
• No U.S.-style housing market meltdown for Canada: CIBC
• Pay your mortgage like it's 2007. You'll save a pile of money.
• Bank of Canada holds rate steady at 1% again
• Higher mortgage rates would hit households hard: BMO
• Five easy ways to save big money now - and you won't feel a thing
• Commercial real estate market climbs across Canada: Re/Max
• How to buy a house when your credit rating's been trashed.
• More Canadians debt-free this year: poll
• Top 10 ways to win a real estate bidding war
• Mortgages and loans - harder for the self-employed?
• Ten questions to help you avoid mortgage-penalty shock
• Attention First-Time Buyers! Buying a home with zero-down payment is ending soon.
• New mortgage rules effective July 9, 2012 for insured mortgages.
• Smart debt management gives first-time homebuyers an edge
• That low-rate mortgage could actually cost you more.
• A Home of Their Own - New Immigrants Face Hurdles