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.
Fed Rate Hike Pushes Canadian Rates Higher, Toronto Condo Buyers Shift to Townhouses, and Renewal Payment Shock Looms – Mortgage Minute September 18, 2026
The US Federal Reserve raised rates for the first time since 2023 and the pressure is already reaching Canadian mortgages, Toronto condo buyers are shifting from microunits to larger townhouses, and anyone renewing before year end faces a real gap between the average and worst-case payment increase – here’s what it means for your mortgage.
Fixed Rates Climb, Buyer Confidence Dips, and Toronto Condo Construction Stalls – Mortgage Minute September 11, 2026
Fixed mortgage rates moved higher at multiple lenders this week, a new survey shows confidence in home prices slipping even as personal finances hold steady, and Toronto condo construction has nearly stopped – here’s what it means for your mortgage.
Bank of Canada Holds Rate for a Seventh Meeting, Canada Sheds 41,700 Jobs, and GTA Home Sales Slip Below $1 Million – Mortgage Minute September 4, 2026
The Bank of Canada held its policy rate again this week, Canada’s job market cooled sharply in August, and GTA home sales and prices pulled back for the first time in six months. Here’s what it means for your mortgage.
Ontario First-Time Buyers Lean on Family to Buy, Fixed Rates Tick Higher on Lender Repricing, and Toronto Mortgage Delinquencies Climb – Mortgage Minute August 28, 2026
First-time buyers are leaning on family more than ever, fixed rates are ticking higher on lender repricing even as bond yields bounce around, and Toronto mortgage delinquencies are climbing as equity cushions thin, here’s what it means for your mortgage.
Fixed Rates Push Higher on Bond Yields, Toronto Affordability Hits a 10th Straight Quarter of Gains, and GTA Neighbourhoods Diverge Sharply – Mortgage Minute August 21, 2026
Fixed mortgage rates are climbing as bond yields hit a one-month high, Toronto affordability just posted a record 10th straight quarterly improvement, and GTA neighbourhoods are selling at wildly different speeds, here’s what it means for your mortgage.
Renewal Squeeze Deepens, Toronto’s Recovery Stays Uneven, and Economists Split on a Bank of Canada Hike – Mortgage Minute August 14, 2026
Nearly half of recent renewers are spending half their budget on housing, Toronto’s resale market just posted its longest winning streak in three years but the recovery is uneven, and economists are split on whether the Bank of Canada hikes or holds – here’s what it means for your mortgage.
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