Down Payment 101: What You Need to Know in British Columbia By Jen Lowe – Mortgage Broker Whether you’re a first-time homebuyer in Victoria, Vancouver, Kelowna, or anywhere across BC, one question I get asked way more than it should be is: “How much money do I actually need to buy a home?” So let’s […]

How to Get a Mortgage When You’re New to Canada (BC Edition) By Jen Lowe – Mortgage Broker New to British Columbia — and Canada — and thinking about buying your first home? Great! It’s absolutely possible. But let’s cut through the noise and get straight to what actually matters here in BC when you’re […]

Separated But Still on the Mortgage: What You Need to Know in British Columbia By Jen Lowe – Mortgage Broker Separation is stressful enough — but when you’re both still on the mortgage for your home, confusion and financial risk can skyrocket if you don’t know what you can and can’t do. In British Columbia, […]

Can You Get a Mortgage After a Consumer Proposal or Bankruptcy? By Jen Lowe – Mortgage Broker If you’ve ever wondered whether a consumer proposal or bankruptcy means you’re permanently locked out of homeownership, here’s the honest answer: No — but you need a strategy. Let’s talk about how lenders actually view proposals and bankruptcies, […]

CPI Inflation in Canada Fell A Tick to 2.3% Y/Y in January on Gasoline Price Decline The Consumer Price Index (CPI) rose 2.3% on a year-over-year basis in January, following a 2.4% increase in December. The gasoline price index was the largest contributor to the deceleration in headline inflation, with a larger decline in January than in […]

Housing Activity Fell in December, Rounding Out A Disappointing Year Today’s release of December housing data by the Canadian Real Estate Association (CREA) showed the market ended 2025 with declining sales and prices due to ongoing economic uncertainty. The number of home sales recorded over Canadian MLS® Systems declined 2.7% m/m in December. On an annual […]

Good News on the Inflation Front Will Keep the BoC on the Sidelines The Consumer Price Index (CPI) held steady at 2.2% year over year in November, as core inflation continued to ease. Accelerating costs for food and some other goods were offset by slowing price growth for services. In November, prices for services rose […]

Canadian headline inflation slowed to 2.2% y/y in October, down from 2.4% in September. The Consumer Price Index (CPI) rose 2.2% on a year-over-year basis in October, down from 2.4% in September. The all-items CPI decelerated largely due to gasoline prices, which fell at a faster year-over-year pace in October (-9.4%) than in September (-4.1%). Excluding gasoline, the CPI rose 2.6% in […]

Signs of Improvement in Canadian Housing Activity Today’s release of October housing data by the Canadian Real Estate Association (CREA) showed the national housing market bounced back, with sales and prices rising. Buyers benefited from the interest rate cuts this year. The number of home sales recorded over Canadian MLS® Systems edged up 0.9% on […]

Forget A December BoC Rate Cut: October Labour Force Survey Much Stronger Than Expected Today’s Labour Force Survey for October showed a stronger-than-expected net employment gain of 66,600, on the heels of September’s upside surprise. Cumulative gains in September and October (+127,000; +0.6%) have offset cumulative declines observed in July and August (-106,000; -0.5%). Even more unexpected […]