BLog

This is probably the question I'm asked more than any other right now. "Should I go fixed or variable?" The funny thing is, most people think the answer comes down to whichever rate is lower. It doesn't. Choosing between fixed and variable is really about your comfort level, your plans over the next few years, and how much uncertainty you're willing to live with. The "best" mortgage isn't always the one with the lowest rate. It's the one that fits your life. Right now, variab

Saving for a down payment is one of the biggest hurdles for first-time home buyers in British Columbia. The good news? If you've been contributing to an RRSP, you may already have a powerful tool to help you get into the market sooner. The federal Home Buyers' Plan (HBP) allows eligible buyers to withdraw up to $60,000 from their RRSP tax-free to put toward the purchase of a qualifying home. If you're buying with a spouse or common-law partner who also qualifies, you could po

Spring has officially arrived in BC, and usually, this is the time of year when my phone starts ringing off the hook with people looking to list their homes. But 2026 is feeling a little different. With the Bank of Canada holding rates at 2.25% and the real estate market in a bit of a "wait-and-see" pattern, I’m seeing a major shift in how my clients are thinking about their space. Instead of the stress of packing boxes and paying land transfer taxes, many are asking: should

When most people think about mortgage rates in Canada, they think about inflation here at home, jobs here at home, and Bank of Canada announcements. Those things absolutely matter. But global events matter too, and right now they matter a lot. On March 18, 2026, the Bank of Canada held its policy rate at 2.25 percent and made it clear that the war in the Middle East has increased volatility in energy prices and financial markets, while raising risks for the global economy. Gl