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As we enter July 2025, Canada’s mortgage landscape remains anything but stable. With the Bank of Canada holding its key interest rate steady at 2.75% after a series of earlier cuts this year, market sentiment is caught between cautious optimism and persistent affordability concerns. For homeowners, first-time buyers, and property investors in British Columbia—particularly in...

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In June 2025, the Bank of Canada (BoC) held its benchmark rate steady at 2.75%—its second consecutive pause this year. While economic forecasts remain mixed, this policy move provides a crucial opportunity for homeowners across Abbotsford, Surrey, and Edmonton to act decisively on mortgage renewals, refinances, and equity strategies. Whether you’re facing a renewal, considering...

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With the Canadian housing landscape experiencing significant economic adjustments in 2025, mortgage holders are increasingly exploring mortgage transfers as a strategy to optimize their financial positions. This is especially true in regions like Abbotsford, Surrey, and Edmonton, where homeowners are searching for smarter, more flexible ways to manage their debt amid rising living costs and...

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In 2025, qualifying for a mortgage in British Columbia requires more than good credit and a solid down payment. One of the biggest barriers today’s buyers face—especially in markets like Abbotsford, Surrey, and even Edmonton—is the mortgage stress test. Originally designed to cool overheated housing markets, this rule has become a permanent fixture in Canada’s...

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In 2025, the dream of homeownership in British Columbia is still alive — but getting there requires a grounded understanding of what you can truly afford. Whether you’re a first-time buyer in Surrey, a family upgrading in Abbotsford, or relocating to Edmonton for a fresh start, mortgage affordability isn’t just about what a lender approves...

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