Ottawa Mortgage Blog
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2026 Housing Market Outlook: What's Next for Buyers, Sellers and Investors?
February 17, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker
As we step into a new year in real estate, many buyers, sellers, and investors are asking the same question: What’s next for the housing market? While no one can predict the future with ce ...
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Why a Mortgage Pre-Approval Matters Before You Start Shopping
February 2, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker
If buying a home is on your radar this year, whether it’s your first purchase, an upgrade, or an investment property, your first step is securing a mortgage pre-approval. Preparation se ...
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A Smarter Way to Tackle Debt This Year
January 21, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker
Feeling the Weight of Debt This New Year? The start of a new year has a way of bringing financial reality into focus.Holiday spending begins to show up on credit card statements, monthly payments fee ...
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Dec 10-2025 - Bank of Canada maintains policy rate at 2.25%
December 10, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
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%. Major economies around the world continue to show res ...
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Fall 2025 Canadian Mortgage Trends & Insights Report
November 21, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
Did You Know ? Did you know that despite encouraging signs of stabilization in the Canadian mortgage market this fall, the national household debt-to-income ratio remained at an eye-opening 181.8 % in ...
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Nov. 2025 - How the Bank of Canada Rate Cut Affects Your Refinancing Strategy
November 10, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
On October 29 2025, the Bank of Canada (BoC) reduced its target overnight rate by 25 basis points to 2.25 %. For Canadian homeowners who are thinking about refinancing their mortgage, this move matter ...
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Staying on Track: Budgeting & Smart Debt Solutions in a High-Cost World
November 7, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
In today’s economy, where the cost of living keeps climbing, staying in control of your money matters more than ever. From groceries and gas to utilities and insurance, everyday expenses have a ...
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Bank of Canada lowers policy rate to 2.25%
October 29, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. With the effects of US trade actions on econo ...
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Canadian Home Sales Poised for a Strong Finish in 2025
October 20, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
The Canadian housing market is showing signs of renewed strength as we approach the end of 2025. According to the latest report from the Canadian Real Estate Association (CREA), home sales across the ...
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How Falling Rates Open Doors for Gig Workers, Mortgages for Non-Traditional Incomes
October 6, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
After several policy cuts, the Bank of Canada's overnight rate sits at 2.50% as of September 17, 2025, down from 3.00% in January. This easing has lowered borrowing costs and improved afford ...
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