Today, the Bank of Canada released its latest interest rate update. As expected, rates did not change. Read the press release HERE

 Even with rates holding steady, this remains one of the most important times to plan ahead. The households that prepare now will be in the strongest position going into 2026.

 Here are three strategic steps you can take today—regardless of rate movement—to strengthen your cashflow, reduce financial stress, and make confident decisions about your next move.

 1. Review your tax-efficient accounts

 We can connect you with our trusted financial planning partners to ensure your savings and investment accounts are structured correctly and maximizing your tax advantages.

 Key opportunities include:

FHSA (First Home Savings Account):

Ideal for first-time buyers planning to purchase within the next 15 years.

 RRSP contribution strategy:

Whether you’re a homeowner or a future buyer, RRSP contributions can reduce your tax bill. If you receive a refund, you can use it to:

 Reduce outside debt

 Boost savings

 Pay down your mortgage

 Small adjustments today can lead to significant long-term benefits.

 2. Review outside debt and improve monthly cashflow

 If you’re carrying debt outside your mortgage—such as a car loan, credit cards, or a line of credit—this may be the right time to reassess your overall strategy.

 By restructuring the mortgage for many clients, we’ve improved monthly cashflow by $500 to $2,000 per month, without requiring them to move or take on additional work.

 A short review may reveal opportunities you have not considered.

 3. Start your 2026 mortgage renewal plan early

 If your mortgage is renewing in 2026, beginning your planning now provides a major advantage.

 Early renewal preparation allows you to:

 Understand your full range of options

 Avoid pressure from quick-deadline lender offers

 Choose a strategy with clarity and confidence

 Potentially save thousands over the next term

 The more time we have, the more we can do for you.

 Set yourself up for a successful 2026

 We’re here to help you understand your options, protect your cashflow, and make smart financial decisions that support your long-term goals.

 If you would like a mortgage review, a debt consolidation review, or an introduction to our financial planning partners, simply reply to this email or give us a call.

Angela Calla is a mortgage renewal and debt elimination expert with over 20 years of industry experience. She is also a multi-award-winning mortgage professional. Since beginning as a mortgage broker in 2004, Angela has helped thousands of Canadians optimize their mortgage strategies, eliminate debt, and build wealth through real estate.

She is the best-selling author of The Mortgage Code, which equips readers with the tools to make informed financial decisions. Additionally, she is the host of Canada’s longest-running finance radio show on CKNW, where she simplifies mortgage advice and empowers listeners to take control of their financial futures.

Angela has been recognized as Business Leader of the Year (2020) by the Tri-Cities Chamber of Commerce and Entrepreneur of the Year (2019) by the City of Port Coquitlam. She is also a sought-after speaker and educator, delivering accredited training for real estate boards across Greater Vancouver.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

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