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...

As the Bank of Canada begins to ease its monetary stance in 2025, homeowners across British Columbia — particularly in Abbotsford, Surrey, and the broader Fraser Valley — are reassessing their mortgage strategies. After years of elevated rates, a cooling inflation trend and modest cuts have brought some relief to the lending environment. But with...