Here are the latest inflation figures for May from Stats Canada based on the Bank of Canada’s preferred measures. CPI Common is up slightly due to higher gas prices, and fresh fruit & vegetables. Given global circumstances, I think these are ‘reasonable’ stats that don’t indicate an inflation fire. Hopefully the Bank of Canada takes the same view. #peaktopeakmortgage #mortgagebroker #realestate #inflation
Here are the latest inflation figures from Stats Canada for April 2026. These are based on the Bank of Canada’s preferred measures, and they are all reporting lower than the March figures despite soaring Transportation costs. Even though these softer inflation numbers are not technically in ‘rate increase territory’ we are still seeing volatility with the bond yields. The potential for higher future inflation is knocking out hopes for prime rate decreases for the remainder of the year, and depending on who you listen to, may still encounter prime rate increases. If you are looking to buy a home or have your mortgage coming up for renewal, it is a good idea to get a rate guarantee in place. If rates happen to come down, you will always get the lower rate, but if they go up, you will be protected. #peaktopeakmortgage #mortgagebroker #realestate #inflation #interestrates
Recent feedback from a client that I assisted with a buyout due to a marital separation: "Thank you so so much for all your effort and kindness throughout this process. I am truly so thankful as I sit in my house and feel at home." Providing compassion and empathy can make a big difference when supporting clients through emotionally charged financial changes, and difficult life situations. I always try to put myself in my clients` shoes to find solutions and provide the service that is needed. #peaktopeakmortgage #mortgagebroker #separation #financialchanges #supportnotjudgment
Here are the latest inflation figures from Stats Canada for March. Food and transportation costs showed the highest increases in every region in Canada. Based on the Bank of Canada’s preferred measures, the figures are still lower than what was reported for December and January. #peaktopeakmortgage #mortgagebroker #inflation #interestrates
No changes to our prime rate in today’s Bank of Canada announcement. The next rate setting is April 29th. In summary, the Bank noted “With recent data pointing to weaker economic activity and uncertainty elevated, risks to growth look tilted to the downside. At the same time, inflation risks have gone up due to higher energy prices. We will continue to assess the impact of US tariffs and trade policy uncertainty, and how the Canadian economy is adjusting. We are also monitoring the unfolding conflict in the Middle East closely and assessing its impact on growth and inflation.” #peaktopeakmortgage #mortgagebroker #bankofcanada #realestate
Here are the latest Canadian inflation Stats for February. Inflation was reported lower in all provinces. It will be interesting to see how these figures change in March with the recent surge in oil prices. #peaktopeakmortgage #inflation #mortgagebroker #realestate
Thank you so much to my clients and industry colleagues for your continued support!
I’m honoured to be recognized with Silver status in the Ambassador’s Club Circle of Prestige for 2025. This achievement reflects dedication, professionalism, and a commitment to helping homebuyers achieve their dreams, and existing home owners with refinances & renewals. Grateful to be part of The Mortgage Centre Canada network!
If you are self-employed, and are at the point where you are deciding how much to T4 yourself or how much to declare as a dividend, for qualifying purposes, it is best if you declare as much as you did the previous year, or higher.
When you are self-employed, lenders like to see a 2-year history of your earnings. If your most recent filed year is higher than the previous year, then they will use an average. If the most recent filed year is lower than the previous, they will use the lower figure.
If you were pre-approved towards the end of the year, or early in the new year, and end up purchasing or refinancing after the tax filing deadline of April 30th, you should check in to see if the amount you were previously qualified for, has changed.
There are a few lending policies and programs in place to assist self-employed borrowers. Having your tax returns filed on time, and with any taxes owing paid in full, will help you when arranging your mortgage. Feel free to reach out any time with any questions.
Is 2026 your year for home ownership? A mortgage pre-approval can help. Let`s Go! #peaktopeakmortgage #mortgagebroker #realestate #homeownership #firsttimehomebuyer #mortgagepreapproval #mortgagecentrecanada
Here are the latest inflation figures for December 2025 from Stats Canada based on the Bank of Canada’s preferred measures. We continue to see the highest increases in the food category. Overall, inflation figures were higher in all provinces, except BC, as seen in the 3rd image. #peaktopeakmortgage #inflation #realestate #mortgagebroker
Here are the latest inflation stats for November. As you can see from the second chart, we are paying more for groceries, but based on the Bank of Canada’s preferred measures, inflation is lower for CPI-median and CPI-trim. #peaktopeakmortgage #mortgagebroker #realestate #inflation #mortgagerates
If the Grinch was the Governor of the Bank of Canada ... my hope for 2026!
His shriveled-up heart, which was two sizes small, grew three sizes large, seeing credit risk fall! "I`ve made a mistake!" cried the Grinch, looking teary, "High bond yields have made the whole nation weary!"
He threw down the charts that commanded fear, "I`ll give them the easing they want for the New Year! No more market panic! No more costly freight! Our priority now is for cheap mortgage rates!"
So the Grinch gave a cheer, in the crisp winter air, and the bond yields were cropped, with no time to spare. The market sighed, and the high rates were dropped. The Grinch found his heart, and everyone was able to real estate shop !
No changes to the Bank of Canada’s policy rate today. In this morning’s announcement, the bank notes “If inflation and economic activity evolve broadly in line with the October projection, Governing Council sees the current policy rate at about the right level to keep inflation close to 2% while helping the economy through this period of structural adjustment. Uncertainty remains elevated. If the outlook changes, we are prepared to respond. The Bank is focused on ensuring that Canadians continue to have confidence in price stability through this period of global upheaval.” The next rate setting date is January 28th, 2026. #peaktopeakmortgage #bankofcanada #mortgagerates #realestate #mortgagebroker
If you are thinking of purchasing a home in 2026, now would be a good time to get a rate guarantee in place. A pre-approval now will give you an idea of what your purchase price range is, and will hold a rate for you for 120 days. A rate guarantee today holds the rate for you into early April 2026.
If rates are lower by the time you write your offer, you will get the lower rate, but if they go up, you are protected.
The best way to start this process is with the online application on our web site: https://peaktopeakmortgage.com/online-application/ #peaktopeakmortgage #mortgagepreapproval #firsttimebuyer #realestate #mortgagebroker #mortgagerates
Our latest review ❤️❤️❤️. Commitment & care means delivering results that make a difference. #peaktopeakmortgage #mortgagebroker #realestate #clientcare #homefinancing #makeadifference #mortgagecentrecanada
Here are the latest inflation figures for October from Stats Can, based on the Bank of Canada’s preferred measures. Inflation is down slightly from September…every little bit helps! #peaktopeakmortgage #inflation #mortgagerates #realestate #mortgagebroker
New text-to-audio with real-time multi-language translation is now featured on all of the content on the Peak to Peak Mortgage web site! Click on the globe to pull up the language options, and then select the language needed. The web site, peaktopeakmortgage.com was designed to be an information portal, so there is lots of great information to check out! If there is a language you need that is not displayed, please let me know.
