Neil Joseph
Prime Rate steady at 7.20%: A Sigh of Relief
Hope you had a good summer and are continuing to enjoy the last few weeks remaining. This summer for sure has been different from the...
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Neil Joseph
- Sep 5
- 4 min
Navigating Mortgage Renewal: A Roadmap to Financial Prudence
A mortgage nearing maturity or renewal has long been regarded as a routine financial checkpoint for many homeowners. However, in the...
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Neil Joseph
- Jun 7
- 4 min
Prime Rate has increased to 6.95%
As of 10 a.m. on June 7th, 2023, Bank of Canada announced its decision to raise the Overnight Rate (aka Policy Rate) by 25 bps / 0.25% at...
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Neil Joseph
- Apr 12
- 3 min
BoC leaves Prime Rate unchanged at 6.70%
As of 10 a.m. on April 12th, 2023, Bank of Canada announced its decision to keep the Overnight Rate (aka Policy Rate) unchanged at its...
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Neil Joseph
- Mar 8
- 3 min
Prime Rate remains unchanged at 6.70%
As of 10 a.m. on March 8th, 2023, Bank of Canada announced its decision to keep the Overnight Rate (aka Policy Rate) unchanged at its...
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Neil Joseph
- Feb 6
- 3 min
Does it make sense to purchase a property on assignment?
Sale of properties on assignment has been prevalent for a long time now and most of you might have heard of it or maybe even considered...
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Neil Joseph
- Jan 25
- 4 min
Prime Rate has increased to 6.70%
Update on Bank of Canada's decision this morning, an overview of the current interest rate environment and couple of articles to guide you.
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Neil Joseph
- Jan 20
- 5 min
Should you panic if thousands of pre-construction units are closing in 2023?
If you live in this world and occasionally follow the news on your phone or TV (don't overdo it for sake of your mental health!), you...
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Neil Joseph
- Dec 7, 2022
- 4 min
Prime Rate has increased to 6.45%
Bank of Canada Interest Rate announcement on 7th December 2022
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Neil Joseph
- Oct 26, 2022
- 3 min
Prime Rate has increased to 5.95%
Commentary around Bank of Canada Interest Rate update on 26th October.
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Neil Joseph
- Oct 20, 2022
- 7 min
Your Mortgage Playbook for 2022-23
Articles covering what options could be available to borrowers in some common situations
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Neil Joseph
- Sep 7, 2022
- 3 min
Prime Rate has increased to 5.45%
As of 10 a.m. on September 7th, 2022, Bank of Canada announced its decision to increase the Overnight Rate again and this time by an...
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Neil Joseph
- Jul 13, 2022
- 3 min
Prime Rate has increased to 4.70%
As of 10 a.m. on July 13th, 2022, Bank of Canada announced its decision to increase the Overnight Rate again and this time by an...
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Neil Joseph
- Jun 30, 2022
- 3 min
Is the ‘real’ amortization period of your mortgage about to cross 50 years?
Impact to Variable Rate mortgages with fixed payments in an increasing interest rate environment
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Neil Joseph
- Jun 24, 2022
- 2 min
Will your mortgage payments increase by 50%?
First off, let me be totally frank with you and tell you that I do not have a crystal ball to predict if your mortgage payment will...
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Neil Joseph
- Jun 16, 2022
- 4 min
Worried about upcoming Mortgage Renewal?
A mortgage nearing maturity or renewal has not been a stressful time for a long time now, but it can feel every different for those of...
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Neil Joseph
- Jun 10, 2022
- 3 min
Is a Variable Rate Mortgage right for you?
As we deal with the impacts of rising costs I want to share a few actionable steps that you should possibly consider regarding your mortgage
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Neil Joseph
- Jun 1, 2022
- 2 min
Prime Rate has increased to 3.70%
Bank of Canada Prime Rate change on 1st June 2022
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Neil Joseph
- Apr 13, 2022
- 3 min
Prime Rate has increased to 3.20%
As of 10 a.m. on April 13th, 2022, Bank of Canada announced its decision to increase the Overnight Rate by an unprecedented 0.50%. This...
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Neil Joseph
- Mar 2, 2022
- 3 min
Prime Rate has increased to 2.70%
As of 10 a.m. on March 2nd, 2022, Bank of Canada announced its decision to increase the Overnight Rate by 0.25%. The immediate takeaway...
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