Ottawa Mortgage Blog
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Thinking About a Vacation or Cottage Property? Here's What You Should Know
August 15, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
There’s something truly Canadian about escaping to the lake, enjoying a quiet cabin in the woods, or owning a getaway in one of our beautiful resort towns. In addition to being a great place for ...
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Is the Mortgage Stress Test on the Way Out?
August 7, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
Is the Mortgage Stress Test on the Way Out? How OSFI's New Loan-to-Income Rules Could Reshape Borrowing in 2025-26 Canadian borrowers have spent the past seven years living with the mortgage "s ...
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Bank of Canada holds policy rate at 2.75%
July 30, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. While some elements of US trade policy have started to become m ...
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Mortgage Payments Ease, Renewal Stress Grows in Canada
July 16, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
Mortgage Payments Are Easing Yet Renewal Stress Is Real It feels like a collective exhale. After two grueling years of rapid interest‑rate hikes, the Bank of Canada has paused an ...
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Double-Barrel Down Payments: FHSA + New $60k HBP Withdrawal Rules Explained
July 9, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
Scraping together a competitive down payment in 2025 often feels like a marathon. But two revamped federal programs-the First Home Savings Account (FHSA) and the beefed-up Home Buyers' Plan ...
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Bank of Canada June Rate Hold: Mortgage Strategy 2025
June 23, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
Why the June Rate Hold Matters On June 4 2025, the Bank of Canada (BoC) left its overnight rate unchanged at 2.75 % for the fourth meeting in a row (Source: Bank of Canada press release, June 4 202 ...
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Why the Bank of Canada’s Rate Pause Isn’t a Green Light for Cheap Mortgages
June 8, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
If you've been waiting for interest rates to drop before locking in a mortgage, you're not alone. On June 5, 2025, the Bank of Canada (BoC) decided to hold its overnight lending rate at 4.75%, marking ...
read moreJune 4-2025 - Bank of Canada holds policy rate at 2.75%
June 4, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. Since the April Monetary Policy Report, the US administration h ...
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Leveraged Investing in Real Estate: How to Use Borrowed Funds to Build Long-Term Wealth
June 2, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
With home prices softening, interest rates showing signs of stability, and rents remaining high, the real estate investment landscape is becoming increasingly attractive again. These market conditions ...
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Mortgage Renewals in 2025: Navigating Payment Increases Amid Rising Rates
May 17, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker
If you're among the thousands of Canadian homeowners with a mortgage renewal coming up in 2025, you might already be concerned about what rising interest rates could mean for your monthly payments. Du ...
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