If you are looking to have a garden that is the envy of the neighbourhood, May is a great time to get started on your gardening to-do list. I have put together some helpful tips and ideas for how to get started so your garden shines all summer long! Plant Annuals and Perennials: This is […]

When it comes to homeownership, many of us dream of the day we will be mortgage-free. While most mortgages operate on a 25-year amortization schedule, there are some ways you can pay off your mortgage quicker! Review Your Payment Schedule: Taking a look at your payment schedule can be an easy way to start paying […]

It has been just over a year since the Bank of Canada started hiking interest rates. While the economy has remained surprisingly resilient, the housing market has weakened sharply. The Bank has remained on the sidelines for the past two Governing Council announcement dates, and home sales have edged upward in very tight markets. There […]

Improving your credit score in Canada is definitely achievable. Remember the rule of 3. 3 credit lines, for 3 years, 30 percent below balance. Share this will someone who is about to turn 19, new to the country, or has had a bump in the road with divorce, job or health challenges. Here are some […]

Weakening Housing Markets Pose A Risk For The Canadian Economy On April 18, Canada’s national banking regulator, the Office of the Superintendent of Financial Institutions (OSFI), released its second Annual Risk Outlook (ARO), outlining what it believes are the most significant headwinds facing the Canadian financial system – and what the regulator plans on doing […]

Great News On The Inflation Front The Consumer Price Index (CPI) fell sharply in March to 4.3% year-over-year, continuing a pattern of repeated declines. Before we break out the champagne, however, much of the drop in inflation resulted from the steep monthly increase in prices in March one year ago (1.4% m/m), the so-called base-year […]

Good News On The Canadian Housing Front The Canadian Real Estate Association says home sales in March edged up 1.4% in March. Homeowners and buyers were comforted by the fall in fixed mortgage rates as the Bank of Canada paused rate hikes. Bond market yields, though very volatile, have trended downward in March, although they […]

Do you or a loved one currently have a variable-rate mortgage? If so, you could have the opportunity to save hundreds of dollars in monthly payments. We know there are many variable-rate mortgage holders always looking for ways to save more of their hard-earned income and increase overall cash flow, so we wanted to provide […]

The Bank of Canada Holds Rates Steady Again But Maintains Its Commitment To 2% Inflation The Bank of Canada left the overnight policy rate at 4.5%, as expected, stating their view that inflation will hit 3% by mid-year and reach the 2% target by next year. They admit, however, that demand continues to exceed supply, […]

Angela Calla has always loved real estate and financial planning so being a mortgage broker is the best of both worlds! Some of her many awards are the Accredited Mortgage Professional Award of the Year, Canada wide, in 2009, the Women of Influence Award several years running, and the 2020 Best Selling Author Pursuit 365. […]