Mortgage Renewals in 2025–2026: From Ultra-Low Rates to Reality Check
Ontario homeowners are breathing easier after two Bank of Canada rate cuts in 2025. While mortgage rates have dropped, qualifying remains tough under the stress test. Learn how lower rates, refinance options, and renewal strategies can help you plan ahead for 2026 and make informed mortgage decisions.
Bank of Canada Cuts to 2.25%: The Economy Behind the Move (and What Follows)
The Bank of Canada trimmed its policy rate to 2.25% on October 29, signaling that monetary policy is now near “about right.” Growth remains modest, inflation is easing unevenly, and the Bank’s next moves will depend on data. Here’s what it means for homeowners, buyers, and the broader
🏡 Ontario Mortgage Rates — October 23, 2025
Ontario mortgage rates remain steady as the Bank of Canada holds its policy rate. Explore October’s fixed, variable, and refinance strategies — with insights for self-employed borrowers and those seeking smoother approvals.
🏡 Ontario Mortgage Rates–Sept 12, 2025 | Variable/Fixed Rate Options
Ontario Mortgage Strategy: Variable rates offer flexibility and long-term savings. They’re the smarter play in today’s market. Find out why from Mortgage Maurice.
🧭 Why Variable Rate Mortgage Could Be the Smartest Move in 2025
GDP down 1.6% at an annual pace in 2025 Q2, inflation 1.7% (July), unemployment 7.1% (August)—three cooling signals that point to lower rates.
🏡 Ontario Mortgage Rate Sheet – August 28, 2025 | Mortgage Maurice |
Ontario mortgage rates are changing fast in August 2025. Discover the latest lender offers, compare fixed vs. variable, and see how much you could save.
🔓 Why Canadian Lenders Are Opening the Credit Gates—And What It Means for You
In a surprising shift, Canadian lenders are opening credit more widely—even for borrowers who might be considered “riskier.”
🧮 Ontario Mortgage Approval 2025: GDS/TDS Ratios Explained
Mortgage Approval Ontario 2025: GDS / TDS Ratios Explained Learn how GDS 39% and TDS 44% limits—and the 2025 stress test—shape your Ontario mortgage approval. We’ll walk you through a real $850K Toronto condo-townhouse example so you can see exactly how lenders measure your debt ratios and what that means for your borrowing power. Understanding […]
📈 Ontario Mortgage Rates Update – August 8, 2025
Here are today’s published mortgage rates from our 50+ lender network across Ontario. Actual approval rates may vary based on your credit, income, property, and application details. Term Insured (≤95% LTV) Insurable (≤80% LTV) Uninsurable 5-Year Fixed 4.44% 4.54%-4.64% 4.69% 3-Year Fixed 4.39% 4.44%-4.64% 4.74% 1-Year Fixed 4.94% 4.94%-5.24% 5.49% 5-Year Variable Prime – 0.55% […]
🧑💼 Your Mortgage Journey Starts Here—MortgageMaurice.ca!
Toronto mortgage broker Maurice Kwok shares his approach to helping first-time buyers, self-employed clients, and real estate investors.