Mortgage Tips & Real Advice for Canadian Homebuyers
Everything Canadian homebuyers, investors, and refinancers need to know - straight from a licensed broker.
Recent Blog Posts by Jeff Dinsmore, Mortgage Broker:
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Read more blog posts below:
What Really Controls Mortgage Rates in Canada?
Mortgage rates don’t move randomly. Fixed rates follow the bond market, variable rates track the overnight rate, and both respond to big events like recessions, global crises, or inflation. Here’s the simple breakdown every Canadian should know.
Insured, insurable, or uninsurable - which bucket your mortgage falls into decides your rate. Here’s what each means in 2025, how to keep insured status, and why refinances always end up uninsurable.