Canadian Mortgage News

Real Estate, Interest Rates, and Market Reality: Why It’s Time to Take a Deep Breath August 6, 2026
Lately, whenever I talk to clients, friends, or family across Ontario, I hear the same thing: people are anxious. They’re worried about where interest rates are going, what their homes … Continue Reading Real Estate, Interest Rates, and Market Reality: Why It’s Time to Take a Deep Breath
Steve Garganis
Ask the mortgage expert: Is now a good time to buy a cottage in Canada? (2026) July 7, 2026
Following the herd rarely gets you the best deal is one thing I have learned through almost four decades in the mortgage and real estate industry. When everyone is rushing … Continue Reading Ask the mortgage expert: Is now a good time to buy a cottage in Canada? (2026)
Steve Garganis
Mortgage Expert alert: Why Canadian housing seems unaffordable in 2026: A 35-year real estate disconnect June 4, 2026
The dream of home ownership in Canada appears distant in today’s mathematical reality. Housing costs account for nearly 30% of household income. Older generations survived 12–18% interest rates in the … Continue Reading Mortgage Expert alert: Why Canadian housing seems unaffordable in 2026: A 35-year real estate disconnect
Steve Garganis
The Wake-Up Call: What a Carney Majority Actually Means for You April 22, 2026
(The Tax Squeeze, The Delusion, and The Multi-Trillion Dollar Gamble) Most Canadians were simply too busy trying to keep their heads above water to notice what was happening right under … Continue Reading The Wake-Up Call: What a Carney Majority Actually Means for You
Steve Garganis
Part 2: Beating the Math: How Buyers Can Win in a Broken Mortgage Market April 21, 2026
(click here to read Part 1: Breathing the Math: Why Politicians are failing Canadians and what you can do.) If you are a first-time buyer trying to get into today’s … Continue Reading Part 2: Beating the Math: How Buyers Can Win in a Broken Mortgage Market
Steve Garganis
Part 1: Beating the Math: Why Politicians Are Failing Homebuyers and What you can do. April 20, 2026
If you are trying to buy a house in Canada right now, the math is completely broken. Instead of treating the root causes of the housing crisis, politicians are serving … Continue Reading Part 1: Beating the Math: Why Politicians Are Failing Homebuyers and What you can do.
Steve Garganis
Mortgage expert alert: Will the Iran War and rising inflation offer a buying opportunity in 2026? April 8, 2026
Escalating tensions in the Middle East have erupted into war between the US and Iran. Spiking oil prices from Strait of Hormuz blockages are already having an immediate, aggressive impact … Continue Reading Mortgage expert alert: Will the Iran War and rising inflation offer a buying opportunity in 2026?
Steve Garganis