Mortgage Hub

Welcome to the Humber Bay Mortgage Hub, designed to help guide anyone navigating the home financing process.

Whether you’re a first-time buyer taking your first steps into home-ownership or a seasoned investor exploring new opportunities, you’ll find expert advice, practical tips, and valuable insights to support your journey. Our goal is to make the mortgage process clearer and easier to understand, so you can make informed decisions and feel confident as you move forward.

Market U-Turn: BoC Pauses, Fixed Rates Rise, and Rents Soften (Dec 12 Update)

by Simon Browning | Mortgage Minute

Mortgage Minute: December 12, 2025 The narrative in the Canadian mortgage market has flipped fast. For months, the...

The Toronto Freeze & The Rate Surprise: What’s Really Happening This Week?

by Simon Browning | Mortgage Minute

Mortgage Minute: December 5, 2025 Is the Toronto housing market broken, or is it just sleeping? And... did you notice...

The Economic Split: Why GDP is Up but Households are Feeling the Pinch

by Simon Browning | Mortgage Minute

GDP is up 2.6%, but insolvencies are rising. What does this mixed signal mean for your mortgage? We break down why a December rate cut is off the table and what you need to do now.

Is the Rate Cut Party Over? Scotiabank Warnings & The Condo Crisis Author: Simon Browning, Mortgage Agent

by Simon Browning | Mortgage Minute

While headline inflation cools to 2.2%, Scotiabank has issued a shock forecast: the rate-cut party might be over, and hikes could return in 2026. Plus, we break down the 60% spike in Toronto mortgage delinquencies and what the cancellation of deals at One Bloor West means for investors.

The $50,000 Trap: How to Avoid a Massive Mortgage Prepayment Penalty

by Simon Browning | Mortgages

A prepayment penalty is a fee a lender charges if you break your mortgage contract – move or refinance – before your term is over. A recent social media poll found people had paid from $3,000 to a staggering $50,000 in penalties.