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https://www.sandhusranmortgages.com/wp-content/uploads/2025/12/Refinancing-in-a-Low-Rate-Plateau-Smart-Ways-BC-Homeowners-Are-Using-2.25-BoC-Policy-to-Reshape-Debt.webp

When interest rates are volatile, refinancing is reactive. When rates stabilize—as they have now—refinancing becomes strategic. With the Bank of Canada holding at 2.25%, thousands of BC homeowners are quietly using refinancing to: Consolidate high-interest debt Improve monthly cash flow Unlock renovation and investment capital Eliminate financial stress carried since inflation peaked This guide explains...

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Canada’s mortgage market in 2025 marks a defining shift from the ultra-low-rate borrowing era that shaped buyer behavior for more than a decade. After years of aggressive interest-rate increases, tightened qualification standards, and affordability pressures, the housing finance system has entered a phase of disciplined recalibration. This is no longer a market driven by urgency...

https://www.sandhusranmortgages.com/wp-content/uploads/2025/11/Why-Canadas-Rental-Market-Shift-Matters-How-BC-Alberta-Homebuyers-Should-Read-the-Signals-Late-2025-Edition-1200x640.webp

In November 2025, a quiet but significant transformation is taking shape across Canada’s housing market — not only for homeowners and investors but for renters, too. While the Bank of Canada’s rate cut to 2.25 % has dominated recent headlines, another story is unfolding in the background: a structural shift in the rental market that...

https://www.sandhusranmortgages.com/wp-content/uploads/2025/10/Why-Fall-2025-Could-Be-the-Smart-Entry-Point-for-First-Time-Homebuyers-in-BC-Alberta-1200x640.webp

As the Canadian housing market enters its most balanced phase in years, first-time buyers across British Columbia and Alberta are discovering new openings that didn’t exist in 2022 or 2023. The Bank of Canada’s September 2025 rate cut to 2.5%, coupled with improved inventory, is reshaping affordability across urban and suburban corridors from Surrey and...

https://www.sandhusranmortgages.com/wp-content/uploads/2025/08/2025s-Window-of-Opportunity-How-Homebuyers-in-BC-and-Alberta-Can-Capitalize-on-Cooling-Prices-and-Rising-Inventory-1200x640.webp

As of August 2025, a noticeable shift is underway in the housing markets of Abbotsford, Surrey, and Edmonton. With inventory levels rising, sales volumes cooling, and the Bank of Canada holding its key rate at 2.75%, conditions are starting to favour buyers after years of market imbalance. This moment—between the summer slowdown and fall’s potential...

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