Impact Ottawa Real Estate Team : Blogs : Latest Blog Posts

Open House on Sunday, August 16, 2026 2:00PM - 4:00PM

Wed, 12 Aug 2026 09:06:21 GMT

Please visit our Open House at 1646 Grey Nuns Drive in Ottawa. See details here

Open House on Sunday, August 16, 2026 2:00PM - 4:00PM

Welcome to this well-maintained 4-bedroom, 2.5-bath family home with a double garage in the Convent Glen South community providing comfort, space, and convenience, perfect for the growing families. The bright and functional layout features HARDWOOD THROUGHTOUT. A welcoming front hall leads to a bright living room and dining room. The main floor family room with its cozy wood-burning fireplace, hardwood floor and a patio door to the rear yard is the ideal place to relax with family and friends. The kitchen offers the busy chef, plenty of wood cabinetry, granite countertops, stylish backsplash and a cozy coffee corner for your morning brew. A main floor laundry room and convenient inside access to the garage complete the main floor. In addition to 4 generously sized bedrooms, the UPDATED BATHROOMS include stylish new vanities, mirrors, lighting and flooring, adding a fresh and modern touch. Downstairs, the partly finished basement provides excellent additional living space, including a large updated den with closet and new laminate flooring - perfect for a home office, playroom, gym, or media space. A large storage/utility space completes this level. The pool sized deep lot provides privacy with no rear neighbors and its expansive deck offers an setting ideal for summer BBQs, entertaining, or simply unwinding after a busy day. Enjoy the maintenance free front and side yards with their professional landscaping design and generous perennial planting. Location matters, and this home delivers exceptional investment potential with just a short 12-MINUTE WALK to the soon-to-open JEANNE D'ARC LRT STATION, making commuting to downtown, Ottawa U. and across Ottawa even more convenient. For the active family, the BOB MAC QUARRIE RECREATION COMPLEX, a short 11 min walk, provides hockey, swimming and fitness facilities. A fantastic location, thoughtful updates, and plenty of room to grow - this is a home you won't want to miss. (id:2493)

Open House on Sunday, August 9, 2026 2:00PM - 4:00PM

Fri, 07 Aug 2026 09:06:53 GMT

Please visit our Open House at 1646 Grey Nuns Drive in Ottawa. See details here

Open House on Sunday, August 9, 2026 2:00PM - 4:00PM

New property listed in Clarence-Rockland

Thu, 30 Jul 2026 09:06:09 GMT

I have listed a new property at 333 Charron Street in Clarence-Rockland. See details here

Welcome to 333 Charron, an affordable 3 bed, 2 full-bath FRESHLY PAINTED bungalow in the family-friendly Rockland community. The bright eat-in kitchen features a large window over the sink which fills the space with natural light, while the convenient side entrance provides easy access to the yard/garage. Family chefs will appreciate the GRANITE countertops, abundant rich wood cabinetry, BUILT-IN in cooktop, built-in oven, microwave, and generous workspace. The inviting living room is centered around a beautiful stone-faced wood-burning fireplace, making it the perfect place to gather during the colder months. The HARDWOOD flooring follows throughout the main level and into the 3 generously sized bedrooms. The 4M x 3.60M primary bedroom provides plenty of room for your king size bed. The richly updated main bath features classy looking ceramic walls. The recently finished basement expands your living space with a spacious recreation room warmed by a cozy wood stove, POT LIGHTS and NEW FLOORING given you the perfect setting for relaxing evenings. A convenient three-piece bathroom with CUSTOM SHOWER and two versatile dens offer endless possibilities for home offices, guest rooms, fitness/hobby spaces. Outside, this property truly shines. In addition to the detached double garage and parking for four more vehicles, this 70' x 100' fully-fenced POOL SIZE corner lot, offers a unique secondary entrance with direct access to the backyard-ideal for storing a boat, trailer, or other recreational equipment. Gardening enthusiasts will love the established perennial gardens, fruit trees, large storage shed, and bright greenhouse, perfect for giving plants an early spring start. Close to big box stores, local Patricia Charron Park (picnic areas, sports fields) and Parc Du Moulin where BOATING enthusiasts have access to the public boat launch to the Ottawa River, Rockland has much to offer. A short 29 drive fm the Trim RD LRT station, Rockland is closer than you think! (id:2493)

Open House on Sunday, July 26, 2026 2:00PM - 4:00PM

Sat, 25 Jul 2026 09:06:28 GMT

Please visit our Open House at 1646 Grey Nuns Drive in Ottawa. See details here

Open House on Sunday, July 26, 2026 2:00PM - 4:00PM

Open House on Sunday, July 12, 2026 2:00PM - 4:00PM

Tue, 07 Jul 2026 09:05:40 GMT

Please visit our Open House at 1646 Grey Nuns Drive in Ottawa. See details here

Open House on Sunday, July 12, 2026 2:00PM - 4:00PM

New property listed in Ottawa

Sat, 04 Jul 2026 09:05:49 GMT

I have listed a new property at 1646 Grey Nuns Drive in Ottawa. See details here

New property listed in Ottawa

Thu, 02 Jul 2026 09:05:09 GMT

I have listed a new property at 6100 Vineyard Drive in Ottawa. See details here

Welcome to 6100 Vineyard, a 4-bedroom, 2.5-bath updated side-split home perfect for families looking for space and comfort in one of Orléans' most desirable neighborhoods. This home clearly shows pride of ownership, both inside and out. Upon arrival, you'll appreciate the stylish front door, the peaceful front patio & the beautifully perennial gardens. The bright living/dining rooms updated with modern ceiling light fixtures that perfectly complement the elegant black iron staircase railing. Rich HARDWOOD flooring extends throughout the main level and all four bedrooms. The updated OakWood kitchen, offers rich wood cabinetry, GRANITE countertops, tile backsplash & abundant storage including PULL-OUT drawers. Open to the family room, it's an ideal space for everyday living. A few step down, the inviting family room features a cozy wood-burning fireplace and patio doors leading to your private backyard oasis. The inside entry to the attached insulated double car garage, reveals a practical epoxy floor, insulated garage doors and a convenient side door to the yard. The powder and laundry rooms add everyday functionality. The generously-sized primary bedroom is a perfect retreat with an updated ensuite featuring a SOAKER tub and walk-in closet. 3 additional bedrooms and a second 4-piece updated bathroom complete this level. The professionally finished lower level recreation room with its new laminate flooring and pot lights, offers flexible spaces for a home gym, TV viewing and/or office. The bright and clean workshop/utility room provides excellent storage. The south facing pool-sized backyard, framed by perennial gardens & cedar hedge for exceptional privacy, is designed for relaxation. The charming gazebo is the perfect setting to enjoy your morning coffee. Close to parks, the Ottawa River Pathways, min. to downtown & the future Jeanne d'Arc LRT station. Updates: 2021: furnace, 2021:front door, garage floor, 2010 & 2005: windows. See attachment for full list. (id:2493)

Open House on Saturday, June 20, 2026 2:00PM - 4:00PM

Fri, 19 Jun 2026 09:06:27 GMT

Please visit our Open House at 89 2111 Montreal Road in Ottawa. See details here

Open House on Saturday, June 20, 2026 2:00PM - 4:00PM

Welcome to your little urban oasis at 2111 Montreal Rd. Beacon Hill, located within a peaceful inner TREED courtyard. Families will also benefit from the COLONEL BY High school Catchment area and the short 11 min walk to the upcoming Montreal Rd LRT Station. This freshly painted 3 bedroom townhome features spacious living and dining rooms with attractive HARDWOOD flooring and large south-facing window. The beautifully updated crisp white kitchen is the heart of the home, featuring generous cabinetry, plenty of pull-out drawers, abundant counter space, a convenient pantry and a cozy breakfast area. The chef will enjoy working near the sink beneath the large window overlooking the private backyard, allowing natural light to pour in as you prepare meals. HARDWOOD flooring continues in all spacious bedrooms, while the primary bedroom offers a convenient walk-in closet. The updated main bathroom features a NEW VANITY, modern mirror and new flooring, creating a fresh and contemporary space. The lower level adds valuable living space with a large recreation room that can easily serve as a family room, home office, fitness area, or playroom. The large remaining utilities and storage space offers additional development opportunities. A conveniently located powder room at the base of the stairs is a welcome addition, making this level both functional and comfortable. The maintenance-free private backyard, awaits with beautifully landscaped perennial gardens and various trees, a perfect space to host friends and family or relax at the end of the day. The rear exit takes you to your parking area, the generous visitor parking and to the wonderful HEATED SALT water pool. Add'l updates: AC: 2021; Furnace 2018. Close to shops, transit and one the best school, this home has it all. (id:2493)

New property listed in Ottawa

Thu, 18 Jun 2026 09:13:13 GMT

I have listed a new property at 2111 Montreal Road in Ottawa. See details here

Welcome to your little urban oasis at 2111 Montreal Rd. Beacon Hill, located within the peaceful inner TREED courtyard. Families will also benefit from the COLONEL BY High school Catchment area and a short 12 min walk to the upcoming Montreal Rd LRT Station. This freshly painted 3 bedroom townhome features spacious living and dining rooms with attractive HARDWOOD flooring and large south-facing window. The beautifully updated crisp white kitchen is the heart of the home, featuring generous cabinetry, abundant counter space a pantry and a cozy breakfast area. The chef will enjoy working near the sink positioned beneath a large window overlooking the private backyard, allowing natural light to pour in as you prepare meals. HARDWOOD flooring continues in all spacious bedrooms, while the primary bedroom offers a convenient walk-in closet. The updated main bathroom features a NEW VANITY, modern mirror and new flooring, creating a fresh and contemporary space. The finished lower level adds valuable living space with a large recreation room that can easily serve as a family room, home office, fitness area, or playroom. The large remaining utilities and storage space offers additional development opportunities. A conveniently located powder room at the base of the stairs is a welcome addition, making this level both functional and comfortable for everyday use and entertaining. The thoughtfully designed, maintenance-free private backyard, awaits with beautifully landscaped perennial garden and fruit tree, a perfect space to host friends and family or relax at the end of the day. The rear exit takes you to your parking area, the generous visitor parking and to the wonderful HEATED SALT water pool. AC: 2021; Furnace 2018.Close to shops, transit and one the best school, this home has it all. (id:2493)

Understanding the Bank of Canada’s overnight lending rate: What it is and why it matters

Thu, 11 Jun 2026 03:07:56 GMT

Interest rates can shape the financial lives of Canadians in powerful ways. Whether it’s the monthly cost of a mortgage or the return on a savings account, most interest rates can be traced back to one key figure: the Bank of Canada’s overnight lending rate. In recent years, this benchmark has moved beyond financial circles and become a more frequent topic in everyday conversations.

The overnight rate is more than just a policy tool. It’s central to how the Bank of Canada manages the country’s economic stability, keeps inflation in check, and supports sustainable growth. Understanding how it works – and why it matters – is essential to navigating today’s economic landscape, especially how it impacts Canadians’ ability to finance their homes.

What Is the overnight lending rate?
How the overnight rate works
Why the Bank of Canada changes the overnight rate
The overnight rate and COVID-19
Real-world impacts on consumers
Lending rates and tariffs in today’s economy

What is the overnight lending rate?

The overnight lending rate – or key lending rate – is the interest rate at which major financial institutions borrow and lend funds among themselves. These transactions are typically very short-term – just one day (in other words, overnight) – and are used by banks to manage their day-to-day liquidity needs.

The Bank of Canada sets a target for this rate as part of its monetary policy strategy. This target forms the core of the Bank’s key policy interest rate and serves as a benchmark for virtually all other short-term interest rates in the economy. It directly influences the prime rate set by commercial banks, which in turn affect rates on variable mortgages, lines of credit, business loans and other financial products.

How the overnight lending rate works

The Bank of Canada does not simply declare an interest rate and expect markets to follow. Instead, it sets a target rate and operates within a framework known as the “operating band,” which is typically a 0.5 percentage point range. For example, if the target for the overnight rate is 5.0%, the upper limit of the band would be 5.25% and the lower limit would be 4.75%.

To ensure the overnight rate remains close to its target, the Bank of Canada uses open market operations – buying and selling government securities to manage the supply of money in the financial system. These operations help keep the actual rate that banks charge each other aligned with the target.

Why the Bank of Canada changes the overnight rate

The primary reason the Bank of Canada adjusts the overnight rate is to control inflation and stabilize the economy. Currently, the Bank has an inflation-control target of 2%, with a tolerance range of 1% to 3%. When inflation is running too high or too low, or when economic growth deviates significantly from potential, the Bank may alter the rate to guide the economy back toward balance.

Raising the rate: When inflation is above target or the economy is overheating, the Bank raises the overnight rate. This makes borrowing more expensive and encourages saving, which tends to reduce consumer spending and investment. As demand slows, inflationary pressures begin to ease.
Lowering the rate: When economic growth is weak or inflation falls below the target, the Bank lowers the rate. Cheaper borrowing encourages households and businesses to spend and invest, supporting growth and helping inflation return to target.

The Bank of Canada holds eight fixed policy rate announcements per year (twice per quarter), scheduled in advance. At these meetings, the Governing Council assesses current economic conditions and decides whether to raise, lower, or maintain the overnight rate. These decisions are based on a comprehensive analysis of inflation trends, GDP growth, employment data, consumer spending, business investment and global economic developments. While changes are most commonly made during these scheduled announcements, the Bank can also take action between meetings in extraordinary circumstances, such as during the 2008 financial crisis or the early months of the COVID-19 pandemic.

The overnight rate and COVID-19

The COVID-19 pandemic marked one of the most significant periods of monetary policy intervention in recent history. As the pandemic triggered an unprecedented economic shock in early 2020, the Bank of Canada acted swiftly to lower the overnight rate to stimulate the economy and cushion the financial blow to households and businesses.

At the onset of the pandemic, the Bank slashed its overnight rate from 1.75% to 0.25% in a series of large and rapid cuts. This level was considered the “effective lower bound,” a point at which the rate could not be realistically lowered further without distorting market functioning. The aim was clear: make borrowing as affordable as possible to support economic activity during a period of severe uncertainty.

As a result:

Mortgage rates dropped to historic lows, spurring a boom in homebuying and refinancing.
Lines of credit and variable-rate loans became significantly cheaper, providing relief for many households facing income disruption.
Business loans were offered at more attractive rates, helping companies manage cash flow and avoid layoffs.
Yields on savings accounts plummeted, prompting some investors to shift funds toward equities and other riskier assets in search of greater returns.

The low-rate environment persisted for much of the pandemic, helping to fuel strong consumer demand and support recovery. However, it also contributed to rising asset prices and created the conditions for inflationary pressures that would emerge more forcefully in the post-pandemic period.

This time in history highlighted the powerful role the overnight lending rate plays in an economic crisis, serving as a tool not just for economic stabilization but for shaping the pace and nature of recovery.

Real-world impacts on consumers

Although the overnight rate operates in the background of the financial system, its effects are very real for Canadians. Changes to the overnight rate cascade through the economy, shaping financial conditions at every level.

Borrowing costs

One of the most immediate effects of a rate change is seen in borrowing costs. Variable-rate mortgages and lines of credit are directly tied to the prime rate, which typically moves in lockstep with the overnight rate. A rate increase can translate to higher monthly payments for households carrying variable-rate debt. Conversely, rate cuts often bring relief to borrowers by lowering interest obligations.

Savings and investment returns

The overnight rate also influences the returns available on savings accounts, Guaranteed Investment Certificates (GICs), and other fixed-income products. Higher rates tend to improve returns for savers and conservative investors, while lower rates may push investors toward riskier assets in search of better yields.

Housing market dynamics

The real estate market is particularly sensitive to interest rate changes. Higher rates can cool housing demand by increasing the cost of borrowing, which in turn can moderate price growth. Lower rates can spur demand and put pressure on prices, especially in markets with limited housing supply.

Lending rates and tariffs in today’s economy

The Bank of Canada’s overnight rate currently stands at 2.75%, following a series of cuts that began in 2024. While rate reductions have provided some relief to borrowers, the central bank continues to face the intricate challenge of balancing inflation and navigating the economic impact of global trade uncertainties.

Consumers have benefited from more affordable borrowing costs over the past year, particularly for variable-rate mortgages and personal loans. However, with the path forward for monetary policy less certain, rate-sensitive borrowers may face a period of relative stability rather than continued easing.

Tariffs are a major economic concern in 2025. In recent months, renewed trade tensions – especially between Canada and the United States – have added complexity to the Bank of Canada’s policy outlook. New U.S. tariffs on Canadian steel, aluminum, and energy have prompted retaliatory measures from Canada, resulting in higher input costs for many businesses.

As the year progresses, the Bank’s challenge will be to balance domestic economic needs with the risks posed by international trade developments, all while maintaining inflation within its target range.

Open House on Sunday, June 7, 2026 2:00PM - 4:00PM

Fri, 05 Jun 2026 09:21:55 GMT

Please visit our Open House at 1646 Grey Nuns Drive in Ottawa. See details here

Open House on Sunday, June 7, 2026 2:00PM - 4:00PM

Welcome to this well-maintained 4-bedroom, 2.5-bath family home with a double garage in the Convent Glen South community providing comfort, space, and convenience, perfect for the growing families. The bright and functional layout features HARDWOOD THROUGHTOUT. A welcoming front hall leads to a bright living room and dining room. The main floor family room with its cozy wood-burning fireplace, hardwood floor and a patio door to the rear yard is the ideal place to relax with family and friends. The kitchen offers the busy chef, plenty of wood cabinetry, granite countertop and stylish backsplash. A main floor laundry room and convenient inside access to the garage complete the main floor. In addition to 4 generously sized bedrooms, the UPDATED BATHROOMS include stylish new vanities, mirrors, lighting and flooring, adding a fresh and modern touch. Downstairs, the partly finished basement provides excellent additional living space, including a large updated den with closet and new laminate flooring - perfect for a home office, playroom, gym, or media space. A large storage/utility space completes this level. The pool sized deep lot provides privacy with no rear neighbors and its expansive deck offers an setting ideal for summer BBQs, entertaining, or simply unwinding after a busy day. Enjoy the maintenance free front and side yards with their professional landscaping design and generous perennial planting. Location matters, and this home delivers exceptional investment potential with just a short 12-MINUTE WALK to the soon-to-open JEANNE D'ARC LRT STATION, making commuting to downtown, Ottawa U. and across Ottawa even more convenient. For the active family, the BOB MAC QUARRIE RECREATION COMPLEX, a short 11 min walk, provides hockey, swimming and fitness facilities. A fantastic location, thoughtful updates, and plenty of room to grow - this is a home you won't want to miss. (id:2493)

New property listed in Ottawa

Thu, 04 Jun 2026 09:25:13 GMT

I have listed a new property at 1646 Grey Nuns Drive in Ottawa. See details here

Welcome to this well-maintained 4-bedroom, 2.5-bath family home with a double garage in the Convent Glen South community providing comfort, space, and convenience, perfect for the growing families. The bright and functional layout features HARDWOOD THROUGHTOUT. A welcoming front hall leads to a bright living room and dining room. The main floor family room with its cozy wood-burning fireplace, hardwood floor and a patio door to the rear yard is the ideal place to relax with family and friends. The kitchen offers the busy chef, plenty of wood cabinetry, granite countertop and stylish backsplash. A main floor laundry room and convenient inside access to the garage complete the main floor. In addition to 4 generously sized bedrooms, the UPDATED BATHROOMS include stylish new vanities, mirrors, lighting and flooring, adding a fresh and modern touch. Downstairs, the partly finished basement provides excellent additional living space, including a large updated den with closet and new laminate flooring - perfect for a home office, playroom, gym, or media space. A large storage/utility space completes this level. The pool sized deep lot provides privacy with no rear neighbors and its expansive deck offers an setting ideal for summer BBQs, entertaining, or simply unwinding after a busy day. Enjoy the maintenance free front and side yards with their professional landscaping design and generous perennial planting. Location matters, and this home delivers exceptional investment potential with just a short 12-MINUTE WALK to the soon-to-open JEANNE D'ARC LRT STATION, making commuting to downtown, Ottawa U. and across Ottawa even more convenient. For the active family, the BOB MAC QUARRIE RECREATION COMPLEX, a short 11 min walk, provides hockey, swimming and fitness facilities. A fantastic location, thoughtful updates, and plenty of room to grow - this is a home you won't want to miss. (id:2493)

New property listed in Ottawa

Wed, 03 Jun 2026 09:24:34 GMT

I have listed a new property at 1646 Grey Nuns Drive in Ottawa. See details here

Welcome to this well-maintained 4-bedroom, 2.5-bath family home with a double garage in the Convent Glen South community providing comfort, space, and convenience, perfect for the growing families. The bright and functional layout features HARDWOOD THROUGHTOUT. A welcoming front hall leads to a bright living room and dining room. The main floor family room with its cozy wood-burning fireplace, hardwood floor and a patio door to the rear yard is the ideal place to relax with family and friends. The kitchen offers the busy chef, plenty of wood cabinetry, granite countertop and stylish backsplash. A main floor laundry room and convenient inside access to the garage complete the main floor. In addition to 4 generously sized bedrooms, the UPDATED BATHROOMS include stylish new vanities, mirrors, lighting and flooring, adding a fresh and modern touch. Downstairs, the finished basement provides excellent additional living space, including a large updated den with new laminate flooring - perfect for a home office, playroom, gym, or media space. The pool sized deep lot provides privacy with no rear neighbors and its expansive deck offers an setting ideal for summer BBQs, entertaining, or simply unwinding after a busy day. Enjoy the maintenance free front and side yards with their professional landscaping design and generous perennial planting. Location matters, and this home delivers exceptional investment potential with just a short 12-MINUTE WALK to the soon-to-open JEANNE D'ARC LRT STATION, making commuting to downtown, Ottawa U. and across Ottawa even more convenient. For the active family, the BOB MAC QUARRIE RECREATION COMPLEX, a short 11 min walk, provides hockey, swimming and fitness facilities. A fantastic location, thoughtful updates, and plenty of room to grow - this is a home you won't want to miss. (id:2493)

How To Personalize Your New Home (Without Blowing Your Budget)

Wed, 01 Apr 2026 08:31:33 GMT

You did it. You closed, you got the keys, and now you're standing in a space that's officially yours. But it still feels like someone else's home.

Open House on Sunday, March 8, 2026 2:00PM - 4:00PM

Sat, 07 Mar 2026 09:14:03 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, March 8, 2026 2:00PM - 4:00PM

Welcome to 1867 Simard, a 3 bed, 4 bath home in a family friendly community. Upon entering this home you will find a convenient UPDATED 2 piece powder room and an INSIDE garage access. The welcoming living/dining rooms offers a cozy wood fireplace that will warmup your family get together this winter. The UPDATED kitchen with its pull-out drawers, tall cabinetry and pantry is sure to please the busy family chef. The large patio door leads you to the entertainment ready back yard with its Tiki bar and convenient shed. The primary bedroom retreat that easily accommodates a KING-SIZE BED, offers a large WALK-IN closet and a convenient updated 2-piece ENSUITE. The 2 generously-sized additional bedrooms also feature easy maintenance laminate flooring. An UPDATED 4 piece main bathroom with ceramic flooring completes this level. The lower level features a 2 piece bath and a large recreation room. Finally this home offers an insulated garage and a unique 3 car laneway to accommodate a MULTI-CAR family. The LOW condo fees include water and lawn maintenance. Close to all the shops on Innes road and multiples parks and recreation facilities (see attached Neighborhood report). This home is also located in the popular Louis-Riel HS catchment, known for its sport program. Some pictures are virtually staged. (id:2493)

Mortgage renewals: Why getting ahead of it matters

Fri, 06 Mar 2026 00:04:59 GMT

The coming months are expected to mark one of the largest mortgage renewal waves Canada has seen in decades, and for many homeowners, the outcome will depend on how early they start planning. According to Canada Mortgage and Housing Corporation, about 1.15 million mortgages are set to renew this year, representing roughly 60% of all outstanding mortgages.

Many of those mortgages were originally set up when interest rates were much lower. As a result, renewal is top of mind for a lot of homeowners right now, especially those trying to understand what their next payment might look like.

That’s why timing matters. Renewal is one of the few moments when you can make changes to your mortgage without penalty, and starting early can make the process far less stressful than waiting until the last minute.

Most lenders now send renewal notices several months before maturity, and in some cases up to six months in advance. While that may seem early, it creates an opportunity. The more time you have, the more flexibility you may have to review your options carefully rather than feeling rushed into a decision. Even if nothing changes, having a plan in place early removes uncertainty and puts you back in control.

Understanding payment shock and your options

One of the biggest concerns at renewal right now is payment shock, the increase in monthly payments that comes with higher interest rates. Before making any decisions, it helps to see the numbers clearly. What would your payment look like at today’s rates, and how does that fit into your budget?

If the new payment feels tight, there may be ways to help ease the transition. Extending your amortization can lower your monthly payment by spreading it over a longer period. While this can increase interest costs over time, it can provide short-term breathing room.

For homeowners with sufficient equity, refinancing at renewal may also be worth exploring. In some cases, refinancing can help consolidate higher-interest debt, improve cash flow, or restructure your mortgage so it better fits your current situation. These options aren’t right for everyone, but they’re worth reviewing before locking into a new term.

Why renewal is more than just the rate

At renewal, it’s natural to focus on the rate. But mortgage features such as prepayment options, penalties and portability can all affect how well your mortgage works over the next few years. In some situations, a slightly higher rate with better flexibility can offer more peace of mind.

Renewal is also a chance to reset and make sure your mortgage still fits your goals. Starting early gives you time to ask questions, explore options, and move forward with confidence.

Renewal doesn't have to feel overwhelming. A simple review of your numbers and options can provide clarity and direction. If your mortgage is coming up for renewal this year, I'm happy to walk through it with you and provide an overall analysis so you can move forward with confidence. Whatever you do, don't leave it too late or let your mortgage automatically renew with your lender as this can be costly for you. Give me a call right away so I can help alleviate stress and save you money.

New property listed in Ottawa

Thu, 05 Mar 2026 09:32:31 GMT

I have listed a new property at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, March 1, 2026 2:00PM - 4:00PM

Thu, 26 Feb 2026 09:15:00 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, March 1, 2026 2:00PM - 4:00PM

Why Borrowers should Pay Attention to Mortgage Portability as much as Rates

Wed, 25 Feb 2026 03:43:44 GMT

Lack of portability can financially trap people in homes in cases where they can’t afford or qualify for a new mortgage.

One thing that bites homeowners in the derrière is mortgage portability — or lack thereof.

Mortgage shoppers fixate so hard on shaving fractions off their interest rate that they totally overlook what else factors into their borrowing cost.

But in many cases, portability policies are an ambush waiting in the lender’s fine print. Here’s why:

Portability defined

Mortgage portability lets a homeowner transfer their existing mortgage from the property they’re selling to the one they’re buying. First, you hang onto the rate you already locked in. This was essential for people moving in 2022 and 2023, for example, when fixed mortgage rates launched 400 basis points.

Imagine planning your move, only to discover your mortgage won’t follow you, so you’re suddenly signing up for double or triple the interest rate you were paying. Plenty of borrowers were blindsided because their discounted deal of a lifetime turned out to be unportable.

For the same sized mortgage, some watched their payments jump by up to 50 per cent. Worse, many had to break their closed mortgages altogether. That requires a prepayment penalty, which can easily be in the thousands or tens of thousands of dollars.

By contrast, some people negotiate to the death to save 0.1 percentage point on their interest rate, which amounts to just $1,429 over five years on a standard $300,000 mortgage (roughly the average mortgage size in Canada). That’s a big potential cost tradeoff, yet folks routinely underestimate their odds of moving and the price they’ll pay without portability.

I saw this up close before I sold my mortgage company. We had a website that let visitors filter lenders by feature. Invariably, most would leave the portability box unchecked and go for the lowest possible rate.

One of the lenders that routinely offered the lowest rate at the time also had one of the worst portability policies ever. To port, they made you close the sale of your old home and new home in the same calendar month, which is often not easy since the average closing timeframe is somewhere around 40 to 50 days.

We generally tried to talk people out of this mortgage, but many just wanted the cheapest rate. We would periodically hear from borrowers who’d closed their purchase and sale in different months, asking what options they had to avoid a penalty and keep their rate. There were few great options, and some had to break their mortgage, lose their deep discount rate and pay a penalty to boot.

People are mobile

The importance of portability was again in the spotlight on Monday after a Statistics Canada report on why people move. The list of triggers is long, with the main ones being:

Upgrading to a more suitable dwelling (25.3 per cent of movers)

Moving to a better neighbourhood (13.5 per cent of movers)
A growing household (13.5 per cent of movers)
Job change (9.1 per cent of movers)
Moving closer to family (9.0 per cent of movers)
Reducing housing costs (8.6 per cent of movers)
Reducing commuting time (7.7 per cent of movers)

Some of these reasons are curveballs — stuff folks don’t think about when signing on the dotted line. But they happen a lot. The rule of thumb is that homeowners move every five to ten years, depending on their life stage.

That means most homeowners with two consecutive five-year mortgages will need to rework their mortgage at least once before the term ends. (Side note: Five years is still the most popular mortgage length if you include both fixed and variable terms.)

In short, life changes happen, and flexible ports are a money-saver. In the next rate-hike cycle, they’ll matter even more than they do today.

So, if you’re out there mortgage shopping and there’s a half-decent shot you’ll relocate before the term expires, hunt for lenders that let you take the mortgage with you without crazy restrictions.

Prioritize the ones that:

Article content

Allow at least 60 days to move your mortgage from your old property to your new property. For less stress, aim for 90 to 120 days.
Allow porting of variable-rate mortgages (many don’t, and it can cost you your rate discount and at least a three-month interest penalty if you have to break early)
Allow “port and increases,” which helps if you buy a pricier home and need to borrow more money. Some lenders don’t offer this feature, or at least not at low, transparent rates.

Six last tips to remember:

You still need to re-qualify from scratch to port — new application, new scrutiny. If your income falls for any reason, your credit declines or your debt ratios surge, porting may be a fantasy.
Some “no frills” mortgages are not portable at all. Unless there’s practically zero chance of you moving before your mortgage contract matures, don’t even think about these products.
Beware that some lenders insist on resetting you to a fresh five-year term just to “port.”
Credit union mortgages generally don’t let you port out of province, unless it’s one of the few federally-regulated credit unions. That’s a problem for the six per cent of movers who move out of province.
If rates have fallen, compare your prepayment fees to the interest cost of keeping your higher rate.
If you plan to close your purchase before you sell, make sure the lender will advance its new mortgage before the old one is paid out, and offers bridge financing (a short-term loan for the down payment on your new home) if you need it.

Lack of portability can financially trap people in their homes in cases where they can’t afford or qualify for a new mortgage.

This is exactly why U.S. home sales fell off a cliff in 2022. Americans can’t typically port their mortgages, so millions of families were voluntarily imprisoned by their own financing terms — forced to either stay put or face drastic payment hikes.

Fortunately, this isn’t a problem for reasonably qualified Canadian borrowers, provided they pick the right mortgage.

Open House on Sunday, February 22, 2026 2:00PM - 4:00PM

Fri, 20 Feb 2026 09:21:46 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, February 22, 2026 2:00PM - 4:00PM

MAKING SMART MORTGAGE CHOICES When the Headlines Keep Shifting

Mon, 16 Feb 2026 00:23:14 GMT

For buyers, uncertainty can actually open doors. Lower confidence often means less competition, more negotiating room, and more time to make thoughtful decisions. That breathing space helps you focus on what truly fits: the right home, the right payment, and the right structure.

For homeowners renewing or refinancing, this is the moment to focus as differences in rate, term, or product features can add up. And if you’re refinancing to manage debt or improve cash flow, understanding the trade-offs, not just the headline rate, is essential.

Focus on what you can control

Uncertainty doesn’t mean standing still; it means being strategic. Many options never show up in news stories or online rate tables, which is why a broader conversation can make all the difference. That’s where me and my team come in. Together, we can step back, look at your full financial picture, and ensure your mortgage supports your long term goals. A strong mortgage plan isn’t about predicting every economic twist - it’s about building flexibility, affordability, and resilience. If the headlines have you feeling uneasy, you don’t have to sort through it alone. Whether you’re buying, renewing, or considering a refinance, reach out for a quick conversation. Even a short check in can confirm you’re on the right track or highlight adjustments worth considering!

Open House on Sunday, February 15, 2026 2:00PM - 4:00PM

Sun, 15 Feb 2026 09:07:57 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, February 15, 2026 2:00PM - 4:00PM

Reverse Mortgages: A Modern Tool for Retirement Planning

Fri, 06 Feb 2026 00:29:29 GMT

Visualize this: It’s 1986. You’re an accountant in Vancouver. You’re seeing seniors living longer, healthier and more self-sufficient lives than ever. But they don’t have enough cash to pay their day-to-day expenses.

You want to help them. So, you create a financial product that lets them access home equity without giving up ownership.

You call it… the Canadian Home Income Plan, and lovingly refer to it as a CHIP. Your product – a reverse mortgage – gives seniors a way to stay in their homes, access the equity without selling, and have complete flexibility and control over the funds. It has a slow start, but over the next decade it catches on across Canada.

Fast forward to 2026 and the reverse mortgage has evolved into a useful tool for so many Canadians. We’ve seen a 40% increase in usage of reverse mortgages in the past 3 years alone! There are several reasons for this, including skyrocketing property values, inflation driving up the cost of living, people living longer and healthier after retirement, and a whopping 71% of those over 75 still owning homes. So, older Canadians are opting to supplement their income with home equity to maintain or improve their standard of living in retirement.

What are the Basics of a Reverse Mortgage?

A reverse mortgage is available exclusively to homeowners aged 55 and older; all applicants must meet that minimum age. You can access anywhere between 15-55% of the value of your home, with your age and the location playing the biggest roles in the amount.

With a reverse mortgage, you can take out money in four different ways:

Use it like a line of credit
Take out a lump sum of cash at any time
Arrange regular ongoing monthly payments
Use a combination of options 2 and 3 above

Also of note is that you must live in the home, maintain the property, and ensure property taxes and insurance are both paid and current. You can get up to 3 reverse mortgages and even qualify for one on multi-unit properties (up to 6 units).

What are the Benefits?

A reverse mortgage doesn’t depend on your credit score or your income for qualification. In fact, you don’t need to have any income at all! You also maintain complete ownership of your home and continue to live in it and build equity.

Another set of benefits are that the funds aren’t considered income, so they’re not taxed and don’t impact any pension or benefits you qualify for. You can even use this as part of your tax strategy (do consult a financial planner about this though).

What Can I Use a Reverse Mortgage for?

These funds are extremely flexible, so you can use them for nearly anything. A few common ways Canadians use them are:

Home renovations or upgrades
Helping family (like a gifted down payment, a living inheritance, or a paying for a wedding)
Buying another property
Paying off higher interest debts
Funding your lifestyle, a vacation, or other expenses

What Will a Reverse Mortgage Cost?

There are two types of costs you’ll encounter with a reverse mortgage.

First, like any mortgage, you’ll be charged interest. The rates are typically 1-2% higher than a regular mortgage, but you have the same flexibility with fixed or variable rates in various terms.

Second, you’ll have upfront costs to fund the reverse mortgage. You’ll need to get independent legal advice, an appraisal on your home, and you’ll most likely pay a lender or setup fee. Those three items will typically cost $1500 - $3000. You might be able to negotiate the rate or even find a promotion that waives the setup fee, so using a mortgage professional to shop around could save you money.

How do I Get Out of a Reverse Mortgage?

Much like a regular mortgage, you can pay off the amount owing in full at the end of the term without penalty. You can also make regular payments to bring down the balance. Lenders may also impose early repayment fees depending on the terms and conditions.

Alternatively, if you sell the property, you repay the amount in full at the time of sale. In the case of death, your reverse mortgage must also be repaid in full, before your estate is disbursed.

Are Reverse Mortgages Regulated?

Yes. The industry is regulated by the Office of the Superintendent of Financial Institutions (OSFI). They’re considered a non-recourse loan, meaning you’ll never have to repay more than the property is worth or sold for. You often see this feature advertised by lenders as a ‘no negative equity guarantee’, but know that’s a legal requirement here in Canada.

Are Reverse Mortgages a Scam?

No. They’re a legitimate and useful way for people to access home equity without selling their home. They’ve been approved and endorsed by the Canadian Association of Retired Persons (CARP), and members can even qualify for a $250 fee rebate upon funding. Plus, the Ontario Teachers Pension Plan invests in one of the main reverse mortgage companies.

However, like any financial product, the reverse mortgage market sees its share of scams. Be sure to use a licensed and experienced mortgage professional to avoid them. Look out for anyone one asking you to sign over the title to your home (never do this), or contractors offering to do the paperwork and get funding for you to fund upgrades or renovations. Those are big red flags!

Are there Alternatives to a Reverse Mortgage?

You always have options! A Home Equity Line of Credit (or HELOC) lets you take out equity and offers up to 80% of the value of your home (although you need income to qualify). You could also sell your home and downsize, rent, or move into another type of residence. No matter what route you go, you’ll want to look at the total cost of each option to help you make the best decision.

What Are the Next Steps to Getting a Reverse Mortgage?

I’d love to help you explore your options. There are several Canadian financial companies that offer reverse mortgages in 2026, each with different fees, requirements and features. I would be happy to compare them and help you pick the best choice for your unique situation. Let’s set up a call to discuss.

Open House on Sunday, February 1, 2026 2:00PM - 4:00PM

Fri, 30 Jan 2026 09:20:01 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, February 1, 2026 2:00PM - 4:00PM

Thu, 29 Jan 2026 09:24:28 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, February 1, 2026 2:00PM - 4:00PM

Open House on Sunday, January 25, 2026 2:00PM - 4:00PM

Wed, 21 Jan 2026 09:12:08 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, January 25, 2026 2:00PM - 4:00PM

Open House on Sunday, January 18, 2026 2:00PM - 4:00PM

Fri, 16 Jan 2026 09:11:59 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, January 18, 2026 2:00PM - 4:00PM

Wed, 14 Jan 2026 09:12:37 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, January 18, 2026 2:00PM - 4:00PM

New property listed in Ottawa

Wed, 14 Jan 2026 09:12:35 GMT

I have listed a new property at 36 1867 Simard Drive in Ottawa. See details here

New property listed in Ottawa

Thu, 01 Jan 2026 09:08:18 GMT

I have listed a new property at 704 265 Poulin Avenue in Ottawa. See details here

Attention Nature Lovers: This bright updated condo is for you. With astonishing views of the Ottawa river, NCC bike paths at your door, short walk to Britannia Beach where you can catch stunning sunsets, steps to Mud lake with its well-known bird sanctuary, you will be well served. Top it off with a unique unit offering a beautiful OPEN-CONCEPT KITCHEN with sought-after QUARTZ countertops, eating bar, elegant white cabinetry and Attention Nature Lovers: This bright updated condo is for you. With astonishing views of the Ottawa river, NCC bike paths at your door, short walk to Britannia Beach where you can catch stunning sunsets, steps to Mud lake with its well-known bird sanctuary, you will be well served. Top it off with a unique unit offering a beautiful OPEN-CONCEPT KITCHEN with sought-after QUARTZ countertops, eating bar, elegant white cabinetry and undermount lights, multiple spacious PULL-OUT DRAWERS to accommodate all your storage requirements and top of the line Stainless Steel appliances. Step inside your renovated bathroom with its convenient WALK-IN SHOWER with glass doors and tiled surround, updated vanity and ceramic floor. The Spacious bedroom with its large window offers lots of storage. Enjoy your morning coffee while appreciating the views of the river and the manicured lawns from your 20 x 6 balcony. In addition to the great outdoors, this complex offers great indoor amenities, including a large recently updated pool and sauna, workshop, a well equipped gym, library, a party/meeting room hosting many social events, billiards and table tennis rooms and convenient guest suite. You will also love the convenience of your indoor heated parking garage and on-site car wash. Ideally situated a short walk to an off-leash dog park for your furry friend (welcomed in the complex if less than 25 lbs), the popular Farm Boy store and Lincoln Field with Metro, drug stores and the soon to open LRT transit station. (id:2493)

New property listed in Ottawa

Wed, 17 Dec 2025 09:14:58 GMT

I have listed a new property at 3 2411 Page Road in Ottawa. See details here

Welcome to this newly renovated 3 bed carpet free upper unit. Be the first to enjoy the new kitchen which boasts, cabinetry with soft-close doors, convenient pot drawers for storage, stainless steel appliances, including a slide-in range, fridge, dishwasher, over-the-range microwave and a European style combined Washer/Dryer. A convenient pantry is also included. The adjoining dining area provides access to the covered balcony to enjoy your morning coffee during the summer days. The large welcoming living room with its laminate floor is perfect for your large sectional and provide a bright space to relax from the large West facing window. Down the hall, you will find 3 good size bedrooms with ample natural light from South and West facing windows. The new beautiful bathroom features a sleek soaker tub and a beautiful vanity with quartz countertop. The landlord provides snow clearly for the convenient parking at the rear where you will also your own storage locker, perfect for storing tires, bikes, etc. Only 6 min walk to your nearest bus stop. (id:2493)

Open House on Sunday, November 30, 2025 2:00PM - 4:00PM

Wed, 26 Nov 2025 09:06:01 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, November 30, 2025 2:00PM - 4:00PM

Welcome to 1867 Simard, a 3 bed, 4 bath home in a family friendly community complete with its own kids play structures. Upon entering this home you will find a convenient UPDATED 2 piece powder room and an INSIDE garage access. The welcoming living/dining rooms offers a cozy wood fireplace that will warmup your family get together this winter. The UPDATED kitchen with its pull-out pot drawers, tall cabinetry and pantry is sure to please the busy family chef. The large patio door leads you to the entertainment ready back yard with its Tiki bar and convenient shed. The primary bedroom retreat that easily accommodates a KING-SIZE BED, offers a welcome WALK-IN closet and a convenient updated 2-piece ENSUITE. The 2 generously-sized additional bedrooms also feature easy maintenance laminate flooring. An UPDATED 4 piece main bathroom with ceramic flooring completes this level. The lower level features a 2 piece bath and a large recreation room. Finally this home offers an insulated garage and a unique 3 car laneway to accommodate a MULTI-CAR family. The LOW condo fees include water and lawn maintenance. Close to all the shops on Innes road and multiples parks and recreation facilities (see attached Neighborhood report). This home is also located in the popular Louis-Riel HS catchment, known for its sport program. Some pictures are virtually staged. (id:2493)

Open House on Sunday, November 23, 2025 2:00PM - 4:00PM

Wed, 19 Nov 2025 09:04:51 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, November 23, 2025 2:00PM - 4:00PM

Open House on Sunday, November 16, 2025 2:00PM - 4:00PM

Sun, 16 Nov 2025 09:05:38 GMT

Please visit our Open House at 36 1867 Simard Drive in Ottawa. See details here

Open House on Sunday, November 16, 2025 2:00PM - 4:00PM

New property listed in Ottawa

Sat, 15 Nov 2025 09:05:16 GMT

I have listed a new property at 36 1867 Simard Drive in Ottawa. See details here

Welcome to 1867 Simard, a 3 bed, 4 bath home in a family friendly community complete with its own kids play structures. Upon entering this home you will find a convenient updated 2 piece powder room and an inside garage access. The welcoming living/dining rooms offers a cozy wood fireplace that will warmup your family get together this winter. The updated kitchen with its pull-out pot drawers, tall cabinetry and pantry is sure to please the busy family chef. The large patio door leads you to the entertainment ready back yard with its Tiki bar and convenient shed. The primary bedroom retreat that easily accommodates a King-size bed, offers a welcome walk-in closet and a convenient updated 2-piece bathroom. The 2 generous-sized additional bedrooms also feature easy maintenance laminate flooring. An updated 4 piece main bathroom with ceramic flooring completes this level. The lower level features a 2 piece bath and a large recreation room. Finally this home offers an insulated garage and a unique 3 car laneway to accommodate a multi-car family. Close to all the shops on Innes rd and multiples parks and recreation facilities ( see attached Neighborhood report). This home is located in the popular Louis-Riel HS catchment, known for its sport program. (id:2493)

Upgrade Your Home: 5 Features Worth the Investment

Fri, 24 Oct 2025 10:03:52 GMT

Thinking of upgrading your home but unsure what features to invest in? Not all renovations deliver the same return, but some home features can actually increase the value of your home when it comes time to sell. From functional upgrades to stylish enhancements, choosing the right features can make a huge difference. We’ve gathered a list of five features worth investing in to help maximize the value of your home.

Read: Home Features That Millennials and Gen Z are Prioritizing

#1: Energy-Efficient Upgrades

In a survey conducted by Zoocasa, 1,000 website users were asked how they would spend $10,000 after purchasing a home. Nearly half (48%) of the respondents said they would invest in energy-efficient upgrades. This data shows that energy efficiency is a feature with high demand in the market. Although solar-powered energy may not be considered essential, it’s attractive to home buyers for multiple reasons. The biggest motivator is reducing utility bills, while being environmentally friendly is a close runner-up. For example, a thermally reflective roof is a popular choice for upgrades as it helps reflect heat from the sun, reducing the amount of energy needed to cool your home.

#2: Kitchen Remodel

The second most important upgrade among homebuyers, according to the Zoocasa survey, was a kitchen remodel, with nearly 20% of respondents selecting it. The kitchen is one of the most closely examined areas when buyers are touring a home. A kitchen that’s both functional and visually appealing signals to buyers that the home is well-maintained. Kitchen remodels can offer a high return on investment, typically ranging from 50% to 96% depending on the scale of the remodel. Minor kitchen renovations could include updating appliances, repainting cabinets, and replacing countertops, while a major kitchen remodel can involve custom-built-in organization systems, soft-close cabinets, and premium finishes.

#3: Smart Home Technology

Smart home technology has become increasingly popular among homebuyers due to the added layer of security and convenience it provides. According to Forbes, smart home features are one of the most sought-after by buyers, and homes equipped with these systems can sell up to 30% faster than traditional homes. Smart home technology can include indoor and outdoor cameras, video doorbells, smart locks, alarms, and motion sensors, all of which help homeowners monitor and protect their property. In addition to enhancing security, smart home technology makes day-to-day life easier, with features like smart thermostats, smart lighting systems, voice-controlled assistants, and automated window shades.

Read: Home Features to Withstand Natural Disasters: Building Resilience for a Safer Future

#4: Renovated Basement

A finished basement adds valuable living space that can be used for a variety of purposes, from a home gym or office to a media and entertainment room. Modern renovations often include updating flooring, finished walls instead of concrete, new lighting fixtures, and adding additional storage, creating a space that is both functional and welcoming. By renovating your basement, you expand your home’s usable square footage, with a return on investment ranging from 65% to 75%.

#5: Garage Door Renovation & Storage

Upgrading or renovating your garage can add an extra 5% to 10% to your home’s overall value. Approximately 80% of homebuyers consider the garage an important part of the home as it’s not just a space for vehicles but also serves as extra storage, a workshop or even a recreational area. Common renovations include replacing an old, heavy garage door with a lighter, automatic one, improving both functionality and curb appeal. Other updates include updating flooring, motion sensor lights, and extra storage spaces.

Maximizing Your Home’s Value

Investing in these strategic home upgrades not only increases the value of your home when it comes time to sell, but also makes everyday living safer, easier, and more enjoyable. Even small feature upgrades within one of these areas make a noticeable difference, helping your home stand out in the market.

Open House on Saturday, October 18, 2025 2:00PM - 4:00PM

Thu, 16 Oct 2025 09:11:25 GMT

Please visit our Open House at 704 265 Poulin Avenue in Ottawa. See details here

Open House on Saturday, October 18, 2025 2:00PM - 4:00PM

Attention Nature Lovers: This bright updated condo is for you. With astonishing views of the Ottawa river, NCC bike paths at your door, short walk to Britannia Beach where you can catch stunning sunsets, steps to Mud lake with its well-known bird sanctuary, you will be well served. Top it off with a unique unit offering a beautiful OPEN-CONCEPT KITCHEN with sought-after QUARTZ countertops, eating bar, elegant white cabinetry and undermount lights, multiple spacious PULL-OUT DRAWERS to accommodate all your storage requirements and top of the line Stainless Steel appliances. Step inside your renovated bathroom with its convenient WALK-IN SHOWER with glass doors and tiled surround, updated vanity and ceramic floor. The Spacious bedroom with its large window offers lots of storage. Enjoy your morning coffee while appreciating the views of the river and the manicured lawns from your 20 x 6 balcony. In addition to the great outdoors, this complex offers great indoor amenities, including a large recently updated saltwater pool and sauna, workshop, a well equipped gym, library, a party/meeting room hosting many social events, billiards and table tennis rooms and convenient guest suite. You will also love the convenience of your indoor heated parking garage and on-site car wash. Ideally situated a short walk to an off-leash dog park for your furry friend (welcomed in the complex if less than 25 lbs), the popular Farm Boy store and Lincoln Field with Metro, drug stores and the soon to open LRT transit station. (id:2493)

Fixed vs. Variable Mortgage Rates: What They Are and How to Choose

Sat, 04 Oct 2025 00:50:42 GMT

For Canadian homeowners and buyers, the question of whether to go fixed or variable is a familiar one. Yet in 2025, the decision looks different from how it has in years past. Fixed and variable mortgage rates are nearly identical, hovering around 3.94% versus 3.95%, a convergence that almost never happens. Normally, fixed rates carry a premium to reflect future uncertainty, while variable rates are priced lower to entice borrowers willing to take on economic and market risks. Here’s what this means for Canadian buyers and homeowners right now.

Why Fixed and Variable Rates Are Nearly the Same

The narrowing gap between fixed and variable rates is the product of several forces working together. Central bank stability is the priority. The Bank of Canada has shifted from aggressive tightening to signaling potential cuts, which reduces the need for lenders to price in large cushions for risk. When the central bank policy rate holds steady, both fixed and variable products move toward the middle ground.

Bond markets are also playing a central role. Since fixed rates are tied to government bond yields, recent declines in yields (driven by fears of slowing growth and cooling inflation) have pulled fixed mortgage rates down. At the same time, variable rates, which depend on the prime rate, have stayed flat because the Bank of Canada hasn’t yet made extensive cuts. Considering market volatility is muted and lenders are competing intensely in a sluggish real estate market, the result is almost no difference in pricing between the two options.

Side-by-Side Mortgage Costs: Fixed Rate and Variable Rate

Table with 5 columns and 5 rows. Sorted descending by column "Average Price" (column headers with buttons are sortable)
	Average Price
Toronto	$969,700	$4,881	$4,886	$5
Victoria	$881,000	$4,445	$4,450	$5
Kitchener	$675,400	$3,408	$3,411	$3
Saskatoon	$435,900	$2,251	$2,254	$3
Winnipeg	$384,200	$1,928	$1,940	$12

Data courtesy of CREA and ratehub, September 2025

Get the dataCreated with Datawrapper

How September’s Rate Cut Might Impact You

This week, the Bank of Canada announced it is lowering the overnight lending rate by 25 basis points from 2.75% to 2.5%. It has been over three years since the overnight lending rate last stood at 2.5%, a level last seen in July 2022. That reduction would directly lower the prime rate, which in turn lowers the cost of variable-rate mortgages. Fixed rates, on the other hand, won’t react as quickly because they depend more on where bond yields move. If bond yields remain stuck above 3%, as they have in recent months, fixed mortgages could stay elevated even as variable rates decline.

The broader context also matters. Canada lost 66,000 jobs recently, pushing unemployment to 7.1%. With economic momentum slowing, the Bank of Canada faces pressure to act more aggressively to stimulate growth. If further cuts come later this year, variable rates could fall below fixed for the first time in years. That would revive their traditional advantage as the lower-cost option for borrowers willing to accept some uncertainty.

“The spread between the lowest fixed and variable rates is a scant four basis points, and it’s possible both rate types will see decreases in the coming weeks,” says Penelope Graham, mortgage expert at Ratehub.”For those deciding between the two, it comes down to risk tolerance; variable rates may offer greater savings this year, but there are still economic headwinds that could push inflation higher, which would prompt the BoC to reverse course.”

Related: Crash or Correction? The Truth About Toronto’s Condo Market

How Bond Yields Shape Fixed Mortgage Rates

In Canada, fixed mortgage rates (particularly the 5-year fixed) are directly influenced by government bond yields. Lenders establish these rates by using the 5-year bond yield as a benchmark and then adding a margin (typically 1–2 percentage points) to account for lending risk and profitability. As a result, when bond yields rise, fixed mortgage rates increase, and when bond yields decline, fixed rates become more affordable.

Bond yields themselves are driven by broader market forces, including inflation expectations, economic outlook, and central bank policy signals. For example, when investors seek the security of bonds, prices increase and yields fall, leading to lower fixed mortgage rates. Conversely, when bond prices drop, yields rise, pushing fixed rates higher.

The key takeaway is that changes in bond yields can cause fixed mortgage rates to move independently of the Bank of Canada’s policy rate—often in anticipation of future shifts. For borrowers, monitoring bond market movements provides valuable insight into where fixed mortgage rates may be headed.

Related: Borrowing Burdens Then and Now: A Generational Look at Canadian Homeownership

Could Fixed Become Cheaper Again?

There’s always the possibility that falling bond yields could drag fixed rates down further. If economic data continues to disappoint or global shocks increase demand for safer assets like government bonds, yields could decline toward 2.5%, creating room for lenders to reduce fixed rates more meaningfully. But most forecasts suggest variable mortgages will hold the edge into late 2025 and 2026.

That said, the spread will remain narrow. The days of a full percentage-point advantage for variables are unlikely to return soon. Instead, we can expect fixed and variable rates to remain tightly linked, shifting back and forth depending on how bond markets and the Bank of Canada respond to evolving economic conditions.

Related: When Investors Move In, Renters Pay More in Ontario’s Mid-Sized Cities

When Fixed Rates Are the Safer Choice

For many borrowers, choosing fixed is less about chasing the lowest rate and more about securing peace of mind. A fixed mortgage ensures predictable payments for the entire term, which makes long-term budgeting straightforward. This option is particularly appealing for households with limited financial flexibility, those on fixed incomes, or families planning to stay in their homes for many years. Even if rates fall modestly, the cost of paying slightly more for certainty may be worth it when viewed as insurance against the unexpected.

Fixed rates also protect against the possibility that forecasts are wrong. If inflation were to spike again or global pressures forced the Bank of Canada to reverse course, borrowers locked into fixed mortgages would be shielded from payment shocks. This stability can feel especially reassuring for anyone who remembers the rapid series of hikes in 2022 and 2023.

When Variable Rates Could Be the Smarter Bet

Variable mortgages, however, offer a different kind of value. If the Bank of Canada continues cutting rates into 2026, variable borrowers will see their payments drop almost immediately, creating potential savings over the life of the mortgage. This makes variables especially attractive to borrowers who have financial breathing room, are comfortable with some level of risk, or are confident that central bank easing will continue.

Variable mortgages also come with structural advantages. Penalties for breaking them are usually lower than for fixed mortgages, which can matter if you plan to move, refinance, or pay down your mortgage aggressively before the end of the term. Many variable products also allow conversion to a fixed rate mid-term without penalty, giving borrowers the flexibility to adapt if conditions change. For those who don’t mind monitoring the market, a variable can be a strategic choice with built-in flexibility.

What History Tells Us About Fixed vs. Variable

Looking back provides some useful perspective. Between the 1950s and 2000, Canadian homeowners would have saved money with a variable mortgage about 90 percent of the time. After the 2008 financial crisis, central banks cut rates sharply, and variables once again offered borrowers significant savings. During the pandemic, variable rates fell to extraordinary lows (as little as 0.88%) while fixed rates remained higher due to bond market uncertainty.

But history also shows the risks. In 2022 and 2023, variable borrowers faced painful increases as the Bank of Canada raised rates at the fastest pace in decades. For many, payments spiked by hundreds of dollars per month, wiping out the perceived advantage of going variable. That experience is still fresh in the minds of borrowers and has made risk tolerance a more important factor than ever.

New property listed in Ottawa

Fri, 19 Sep 2025 09:07:54 GMT

I have listed a new property at 704 265 Poulin Avenue in Ottawa. See details here

Attention Nature Lovers: This bright updated condo is for you. With astonishing views of the Ottawa river, NCC bike paths at your door, short walk to Britannia Beach where you can catch stunning sunsets, steps to Mud lake with its well-known bird sanctuary, you will be well served. Top it off with a unique unit offering a beautiful OPEN-CONCEPT KITCHEN with sought-after QUARTZ countertops, eating bar, elegant white cabinetry and undermount lights, multiple spacious PULL-OUT DRAWERS to accommodate all your storage requirements and top of the line Stainless Steel appliances. Step inside your renovated bathroom with its convenient WALK-IN SHOWER with glass doors and tiled surround, updated vanity and ceramic floor. The Spacious bedroom with its large window offers lots of storage. Enjoy your morning coffee while appreciating the views of the river and the manicured lawns from your 20 x 6 balcony. In addition to the great outdoors, this complex offers great indoor amenities, including a large recently updated saltwater pool and sauna, workshop, a well equipped gym, library, a party/meeting room hosting many social events, billiards and table tennis rooms and convenient guest suite. You will also love the convenience of your indoor heated parking garage and on-site car wash. Ideally situated a short walk to an off-leash dog park for your furry friend (welcomed in the complex if less than 25 lbs), the popular Farm Boy store and Lincoln Field with Metro, drug stores and the soon to open LRT transit station. (id:2493)

CAO Releases Updated Condo Buyers’ Guide to Better Support Consumers

Fri, 08 Aug 2025 05:54:02 GMT

The Condominium Authority of Ontario is pleased to announce the release of the newly updated CAO Condo Buyers’ Guide, a comprehensive and accessible resource for anyone thinking about buying a residential condo in Ontario.

The guide has undergone a review through consultations and user testing with condo community members to ensure that it reflects the evolving needs of Ontario’s condo sector. The newly updated guide is designed to educate prospective buyers about their rights, responsibilities, and duties when it comes to condo living.

“The updated Condo Buyers’ Guide is a critical tool for consumer protection and education,” said Robin Dafoe, CAO CEO and Registrar. “By providing clear and relevant information, we’re helping Ontarians make informed purchase decisions and supporting them in becoming active and knowledgeable members of their condo communities.”

Some key topics include:

The differences between buying re-sale vs pre-construction condos
Recommending all pre-construction buyers review important documents and re-sale buyers review status certificates before purchasing
Making the most out of collaborative and harmonious condo living
Governance, management, and financial operations of condo corporations
Common issues and how to resolve them

Developers are legally required to provide this guide to purchasers of pre-construction condos along with their agreement of purchase and sale. Receipt of the guide and other important documents marks the beginning of the mandatory 10-day cooling-off period, during which buyers may rescind their agreement.

The CAO will continue to review the Guide and consult with Ontario’s condo community to ensure the Buyers’ Guide continues to remain relevant and impactful.

The updated guide is now available on the CAO website in English and French.

READ THE GUIDE

New property listed in Ottawa

Wed, 06 Aug 2025 09:07:47 GMT

I have listed a new property at 606 200 BESSERER Street in Ottawa. See details here

FOR RENT in the Elegant Galleria Condo Complex. This furnished 1 bed, 1 bath unit features a Private Balcony, Hardwood Floors throughout, an open kitchen with Shaker style cabinetry, Granite Countertops, 4 Appliances and convenient High Capacity In-Unit Laundry set. The spacious open dining/living enjoys the light from the patio door leading to the balcony. The unit uniquely includes a sought after INDOOR PARKING space, much appreciated in a downtown setting. The amenities in this condo complex include a Fitness Centre, a long lap Indoor Pool, a sauna and an outdoor patio with lounge chairs perfect to relax during summer days. It is urban living at its best. Rent is inclusive of heat/ac/water, you only pay for hydro (approx. $60/m). Unit can be rented without furniture. Rental Application, proof of income, pay stubs for last 3 months and full credit check report are required. (id:2493)

New property listed in Ottawa

Mon, 30 Jun 2025 09:07:58 GMT

I have listed a new property at 113 Gelderland Private in Ottawa. See details here

NEW PRICE! Welcome to the family friendly community of Blackstone where you find this affordable 3 bed 2.5 bath family townhome. FRESHLY PAINTED and NEW LAMINATE ON ALL LEVELS, this home is move-in ready. From the covered portico and spacious front hall, you will find a great family room with a patio door giving you access to the fully fenced deep back yard, perfect to host family and friends for a BBQ. The laundry area, utility/storage room provide convenient access to the garage. On the next level, the family chef will enjoy a bright kitchen with a window, its newer Stainless Steel appliances including a GAS RANGE. The QUARTZ countertops including the spacious island, offer lots of prep space. The dining area with its large window is conveniently located next to the Living Room making hosting a breeze. The bright spacious Living Room is flooded with lots of natural light via its 2 large West oriented windows. The upper level presents a primary bedroom with its WALK-IN CLOSET and UPDATED ENSUITE with a new vanity and ceramic floor. The main bathroom also enjoys a new vanity, new vanity light and beautiful ceramic flooring. Two additional bedrooms with generous closets complete this level. For those with summer allergies, the home heating system benefits from an added HEPA filter. This home conveniently comes with 3 parking spaces (1 garage and 2 surface spaces). LOW monthly association fee of $120 covers outdoor maintenance, visitor parking, etc. Steps to Terry Fox Dr. and all the shops including the Kanata Costco plus easy access to convenient transit, this home has it all. (id:2493)

Open House on Sunday, June 22, 2025 2:00PM - 4:00PM

Sun, 22 Jun 2025 09:05:56 GMT

Please visit our Open House at 113 Gelderland Private in Ottawa. See details here

Open House on Sunday, June 22, 2025 2:00PM - 4:00PM

Welcome to the family friendly community of Blackstone where you find this affordable 3 bed 2.5 bath family townhome. FRESHLY PAINTED and NEW LAMINATE ON ALL LEVELS, this home is move-in ready. From the covered portico and spacious front hall, you will find a great family room or flex room with its patio door giving you access to the fully fenced deep back yard, perfect to host family and friends for a BBQ. The laundry area, utility/storage room provide convenient access to the garage. On the next level, the family chef will enjoy a bright kitchen with a window, with its newer Stainless Steel appliances including a gas range. The Quartz countertops including the spacious island offers lots of prep space. The dining area with its large window is conveniently located next to the LR will make hosting a breeze. The bright spacious living room is flooded with lots of natural light via its 2 large West oriented windows. The upper level presents a primary bedroom with its WALK-IN CLOSET and UPDATED ENSUITE with a new vanity and ceramic floor. The main bathroom also enjoys a new vanity, new vanity light and beautiful ceramic flooring. Two additional bedrooms with generous closets complete this level. For those with summer allergies, the home heating system benefits from a HEPA filter. This home conveniently comes with 3 parking spaces (1 garage and 2 surface spaces). Monthly association fee of $120 covers outdoor maintenance, visitor parking, etc. Steps to Terry Fox Dr. and all the shops including the Kanata Costco plus the convenient transit, this home has it all. (id:2493)

Open House on Sunday, June 22, 2025 2:00PM - 4:00PM

Fri, 20 Jun 2025 09:05:51 GMT

Please visit our Open House at 113 Gelderland Private in Ottawa. See details here

Open House on Sunday, June 22, 2025 2:00PM - 4:00PM

Open House on Sunday, June 8, 2025 2:00PM - 4:00PM

Fri, 06 Jun 2025 09:05:38 GMT

Please visit our Open House at 113 Gelderland Private in Ottawa. See details here

Open House on Sunday, June 8, 2025 2:00PM - 4:00PM

Welcome to the family friendly community of Blackstone where you find this affordable 3 bed 2.5 bath family townhome. FRESHLY PAINTED and NEW LAMINATE ON ALL LEVELS, this home is move-in ready. From the covered portico and spacious front hall, you will find a great family room or flex room with its patio door giving you access to the fully fenced deep back yard, perfect to host family and friends for a BBQ. The laundry area, utility/storage room provide convenient access to the garage. On the next level, the family chef will enjoy a bright kitchen with a window, with its newer Stainless Steel appliances including a gas range. The Quartz countertops including the spacious island offers lots of prep space. The dining area with its large window is conveniently located next to the LR will make hosting a breeze. The bright spacious living room is flooded with lots of natural light via its 2 large West oriented windows. The upper level presents a primary bedroom with its WALK-IN CLOSET and UPDATED ENSUITE with a new vanity and ceramic floor. The main bathroom also enjoys a new vanity, new vanity light and beautiful ceramic flooring. Two additional bedrooms with generous closets complete this level. For those with summer allergies the home, heating system benefits from an additional HEPA filter. This home conveniently comes with 3 parking spaces (1 garage and 2 surface spaces). Monthly association fee of $120 covers outdoor maintenance, visitor parking, etc. Steps to Terry Fox Dr. and all the shops including the Kanata Costco plus the convenient transit, this home has it all. (id:2493)

Open House on Wednesday, June 4, 2025 5:00PM - 7:00PM

Tue, 03 Jun 2025 09:05:20 GMT

Please visit our Open House at 113 Gelderland Private in Ottawa. See details here

Open House on Wednesday, June 4, 2025 5:00PM - 7:00PM

Welcome to the family friendly community of Blackstone where you find this affordable 3 bed 2.5 bath family townhome. FRESHLY PAINTED and NEW LAMINATE ON ALL LEVELS, this home is move-in ready. From the covered portico and spacious front hall, you will find a great family room or flex room with its patio door giving you access to the fully fenced back yard, perfect to host family and friends for a BBQ. The laundry area, utility/storage room provide convenient access to the garage. On the next level, the family chef will enjoy a bright kitchen, with its newer Stainless Steel appliances including a gas range. The Quartz countertops including the spacious island offers lots of prep space. The dining area with its large window is conveniently located next to the LR will make hosting a breeze. The bright spacious living room is flooded with lots of bright light via its 2 large West oriented windows. The upper level presents a primary bedroom with its WALK-IN CLOSET and UPDATED ENSUITE with a new vanity and ceramic floor. The main bath also enjoys a new vanity, new vanity light and beautiful ceramic flooring. Two additional bedrooms with generous closets complete this level. This home conveniently comes with 3 parking spaces (1 garage and 2 surface spaces). Steps to Terry Fox DR. Kanata Costco, and all the Terry Fox shops and convenient transit, this home has it all. (id:2493)

New property listed in Ottawa

Wed, 28 May 2025 09:05:46 GMT

I have listed a new property at 113 Gelderland Private in Ottawa. See details here

Welcome to the family friendly community of Blackstone where you find this affordable 3 bed 2.5 bath family townhome. FRESHLY PAINTED and NEW LAMINATE ON ALL LEVELS, this home is move-in ready. From the covered portico and spacious front hall, you will find a great family room or flex room with its patio door giving you access to the fully fenced back yard, perfect to host family and friends for a BBQ. The laundry area, utility/storage room provide convenient access to the garage. On the next level, the family chef will enjoy a bright kitchen, with its newer Stainless Steel appliances including a gas range. The Quartz countertops including the spacious island offers lots of prep space. The dining area with its large window is conveniently located next to the LR will make hosting a breeze. The bright spacious living room is flooded with lots of bright light via its 2 large West oriented windows. The upper level presents a primary bedroom with its WALK-IN CLOSET and UPDATED ENSUITE with a new vanity and ceramic floor. The main bath also enjoys a new vanity, new vanity light and beautiful ceramic flooring. Two additional bedrooms with generous closets complete this level. This home conveniently comes with 3 parking spaces (1 garage and 2 surface spaces). Steps to Terry Fox DR. and all the shops and convenient transit, this home has it all. (id:2493)

Open House on Sunday, June 1, 2025 2:00PM - 4:00PM

Wed, 28 May 2025 09:05:46 GMT

Please visit our Open House at 113 Gelderland Private in Ottawa. See details here

Open House on Sunday, June 1, 2025 2:00PM - 4:00PM

Welcome to the family friendly community of Blackstone where you find this affordable 3 bed 2.5 bath family townhome. FRESHLY PAINTED and NEW LAMINATE ON ALL LEVELS, this home is move-in ready. From the covered portico and spacious front hall, you will find a great family room or flex room with its patio door giving you access to the fully fenced back yard, perfect to host family and friends for a BBQ. The laundry area, utility/storage room provide convenient access to the garage. On the next level, the family chef will enjoy a bright kitchen, with its newer Stainless Steel appliances including a gas range. The Quartz countertops including the spacious island offers lots of prep space. The dining area with its large window is conveniently located next to the LR will make hosting a breeze. The bright spacious living room is flooded with lots of bright light via its 2 large West oriented windows. The upper level presents a primary bedroom with its WALK-IN CLOSET and UPDATED ENSUITE with a new vanity and ceramic floor. The main bath also enjoys a new vanity, new vanity light and beautiful ceramic flooring. Two additional bedrooms with generous closets complete this level. This home conveniently comes with 3 parking spaces (1 garage and 2 surface spaces). Steps to Terry Fox DR. and all the shops and convenient transit, this home has it all. (id:2493)

I have sold a property at 104 Dunbarton Court in Ottawa

Mon, 26 May 2025 09:05:43 GMT

I have sold a property at 104 Dunbarton Court in Ottawa on May 14, 2025. See details here

Welcome to Dunbarton court in the sought-after Cardinal Glen community. This rarely available END-UNIT 3 bed 2.5 bath family home offers a DOUBLE CAR GARAGE on a large private lot. The main floor with its pristine HARDWOOD FLOOR, features a spacious living room with a cozy wood burning fireplace with an adjacent dining room, perfect for family gatherings. The bright kitchen enjoys a desirable window over the sink, pantry and pullout drawers for a well organized kitchen, unique stainless steel countertop and backsplash with a combination cooktop and wall oven. Enjoy your casual meals in the attached eat-in area while overlooking the gardens via the large patio doors. The 2 level deck with its collapsible automatic awning, offers a great area for alfresco dining surrounded by the perennial gardens in the private yard. The bright stairs leads to the upper level which offers the same pristine hardwood floor, sun filled loft area perfect for a bright office/den or easily convertible to a 4 rth BEDROOM, two generously sized bedrooms and a 4-piece bathroom. The large bright primary bedroom features cathedral ceiling, a 5-piece ensuite and a large WALK-IN CLOSET. The lower level features a spacious family room perfect for TV viewing and play areas for the big and small kids. As a bonus, this large CORNER LOT offers a maintenance free perennial landscaping served by a 5 zones SPRINKLER SYSTEM. The mature Cardinal Glen enclave benefits from the lush nature nearby, its own city park WITH PLAY STRUCTURES, proximity with the shops/bistros on Beechwood, easy access to the NCC biking and walking paths along the Ottawa River, La Cite Collégiale, Montfort Hospital, and much more. Don't miss your chance to move into this great neighborhood , minutes to downtown. (id:2493)

I have sold a property at 513 Aquaview Drive in Ottawa

Mon, 26 May 2025 09:05:43 GMT

I have sold a property at 513 Aquaview Drive in Ottawa on Apr 14, 2025. See details here

A gem in Avalon! Bright upper end unit right across the street from Aquaview Park and the lake. Watch your children play without getting off the couch and enjoy the walking paths around the beautiful lake. Very close to all amenities and bus routes, this 2 bedroom, 3 bathroom stacked townhome has a few bonus features. Main floor is very bright benefiting from Southern exposure and the large windows at the front and end wall of the home. Open floor plan with large living room with gas fireplace and dining area. Eat-in breakfast area looking out onto the main balcony past the well appointed kitchen. Upstairs are the 2 bedrooms each with their own ensuite bath. Primary bedroom has oversized closet and its own separate balcony. Schedule your viewing today! (id:2493)

Impact Ottawa Real Estate Team : Blogs : Latest Blog Posts

Open House on Sunday, August 16, 2026 2:00PM - 4:00PM

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Open House on Sunday, July 12, 2026 2:00PM - 4:00PM

New property listed in Ottawa

New property listed in Ottawa

Open House on Saturday, June 20, 2026 2:00PM - 4:00PM

New property listed in Ottawa

Understanding the Bank of Canada’s overnight lending rate: What it is and why it matters

TABLE OF CONTENTS

What is the overnight lending rate?

How the overnight lending rate works

Why the Bank of Canada changes the overnight rate

The overnight rate and COVID-19

Real-world impacts on consumers

Borrowing costs

Savings and investment returns

Housing market dynamics

Lending rates and tariffs in today’s economy

Open House on Sunday, June 7, 2026 2:00PM - 4:00PM

New property listed in Ottawa

New property listed in Ottawa

How To Personalize Your New Home (Without Blowing Your Budget)

Open House on Sunday, March 8, 2026 2:00PM - 4:00PM

Mortgage renewals: Why getting ahead of it matters

New property listed in Ottawa

Open House on Sunday, March 1, 2026 2:00PM - 4:00PM

Why Borrowers should Pay Attention to Mortgage Portability as much as Rates

People are mobile

Open House on Sunday, February 22, 2026 2:00PM - 4:00PM

MAKING SMART MORTGAGE CHOICES When the Headlines Keep Shifting

Open House on Sunday, February 15, 2026 2:00PM - 4:00PM

Reverse Mortgages: A Modern Tool for Retirement Planning

Open House on Sunday, February 1, 2026 2:00PM - 4:00PM

Open House on Sunday, February 1, 2026 2:00PM - 4:00PM

Open House on Sunday, January 25, 2026 2:00PM - 4:00PM

Open House on Sunday, January 18, 2026 2:00PM - 4:00PM

Open House on Sunday, January 18, 2026 2:00PM - 4:00PM

New property listed in Ottawa

New property listed in Ottawa

New property listed in Ottawa

Open House on Sunday, November 30, 2025 2:00PM - 4:00PM

Open House on Sunday, November 23, 2025 2:00PM - 4:00PM

Open House on Sunday, November 16, 2025 2:00PM - 4:00PM

New property listed in Ottawa

Upgrade Your Home: 5 Features Worth the Investment

#1: Energy-Efficient Upgrades

#2: Kitchen Remodel

#3: Smart Home Technology

#4: Renovated Basement

#5: Garage Door Renovation & Storage

Maximizing Your Home’s Value

Open House on Saturday, October 18, 2025 2:00PM - 4:00PM

Fixed vs. Variable Mortgage Rates: What They Are and How to Choose

Why Fixed and Variable Rates Are Nearly the Same

Side-by-Side Mortgage Costs: Fixed Rate and Variable Rate

How September’s Rate Cut Might Impact You

How Bond Yields Shape Fixed Mortgage Rates

Could Fixed Become Cheaper Again?

When Fixed Rates Are the Safer Choice

When Variable Rates Could Be the Smarter Bet

What History Tells Us About Fixed vs. Variable

New property listed in Ottawa

CAO Releases Updated Condo Buyers’ Guide to Better Support Consumers

New property listed in Ottawa

New property listed in Ottawa

Open House on Sunday, June 22, 2025 2:00PM - 4:00PM

Open House on Sunday, June 22, 2025 2:00PM - 4:00PM

Open House on Sunday, June 8, 2025 2:00PM - 4:00PM

Open House on Wednesday, June 4, 2025 5:00PM - 7:00PM

New property listed in Ottawa

Open House on Sunday, June 1, 2025 2:00PM - 4:00PM

I have sold a property at 104 Dunbarton Court in Ottawa

I have sold a property at 513 Aquaview Drive in Ottawa