Mortgage Blog
Simpler, smarter BC mortgages for a brighter future
With Inflation at 1.7%, What This Means for Canadians Considering a Home Purchase or Mortgage Refinance
August 19, 2025 | Posted by: DLC West Coast Mortgages
Did You Know? Did you know that Canada's latest inflation figure has cooled to 1.7% according to Statistics Canada? For everyday Canadians, this is more than a headline. It can point to lower bor ...
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Is the Mortgage Stress Test on the Way Out?
August 7, 2025 | Posted by: DLC West Coast Mortgages
Is the Mortgage Stress Test on the Way Out? How OSFI's New Loan-to-Income Rules Could Reshape Borrowing in 2025-26 Canadian borrowers have spent the past seven years living with the mortgage "s ...
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Bank of Canada holds policy rate at 2.75%
July 30, 2025 | Posted by: DLC West Coast Mortgages
The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. While some elements of US trade policy have started to become m ...
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Mortgage Payments Ease, Renewal Stress Grows in Canada
July 16, 2025 | Posted by: DLC West Coast Mortgages
Mortgage Payments Are Easing Yet Renewal Stress Is Real It feels like a collective exhale. After two grueling years of rapid interest‑rate hikes, the Bank of Canada has paused an ...
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Double-Barrel Down Payments: FHSA + New $60k HBP Withdrawal Rules Explained
July 9, 2025 | Posted by: DLC West Coast Mortgages
Scraping together a competitive down payment in 2025 often feels like a marathon. But two revamped federal programs-the First Home Savings Account (FHSA) and the beefed-up Home Buyers' Plan ...
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Bank of Canada June Rate Hold: Mortgage Strategy 2025
June 23, 2025 | Posted by: DLC West Coast Mortgages
Why the June Rate Hold Matters On June 4 2025, the Bank of Canada (BoC) left its overnight rate unchanged at 2.75 % for the fourth meeting in a row (Source: Bank of Canada press release, June 4 202 ...
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Why the Bank of Canada’s Rate Pause Isn’t a Green Light for Cheap Mortgages
June 8, 2025 | Posted by: DLC West Coast Mortgages
If you've been waiting for interest rates to drop before locking in a mortgage, you're not alone. On June 5, 2025, the Bank of Canada (BoC) decided to hold its overnight lending rate at 4.75%, marking ...
read moreJune 4-2025 - Bank of Canada holds policy rate at 2.75%
June 4, 2025 | Posted by: DLC West Coast Mortgages
The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. Since the April Monetary Policy Report, the US administration h ...
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Mortgage Renewals in 2025: Navigating Payment Increases Amid Rising Rates
May 17, 2025 | Posted by: DLC West Coast Mortgages
If you're among the thousands of Canadian homeowners with a mortgage renewal coming up in 2025, you might already be concerned about what rising interest rates could mean for your monthly payments. Du ...
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Mortgage Renewals in Early 2025 – Where Might Rates End Up?
May 4, 2025 | Posted by: DLC West Coast Mortgages
A friendly guide for Canadian homeowners who are about to renegotiate one of the biggest contracts of their lives. Introduction - Why Everyone Is Talking About 2025 Renewals If your mortgage is co ...
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