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.
Bank of Canada Says Federal Spending Isn’t Driving Inflation Yet, GTA Home Sales Fall 7.9% in October, and the Foreign Buyer Ban Is Extended With a New-Build Exemption – Mortgage Minute November 6, 2026
The Bank of Canada says federal spending isn’t driving inflation yet, GTA home sales fell 7.9% in October, and the foreign buyer ban is extended to 2029 with a new-build exemption – here’s what it means for your mortgage.
Bank of Canada Raises Rate for the First Time in Over Three Years, Ontario Mortgage Arrears Set to Keep Rising, and the Housing Outlook Stays Subdued – Mortgage Minute October 30, 2026
The Bank of Canada raised its rate, Ontario mortgage arrears are set to keep rising into 2027, and housing stays subdued. Here is what it means for your mortgage.
Bank of Canada Rate Hike Odds Climb, Desjardins Forecasts a Modest Ontario Recovery, and a New Bank Model Tracks Mortgage Renewals – Mortgage Minute October 23, 2026
Rate hike odds are rising ahead of the October 28 Bank of Canada decision, Desjardins forecasts a modest Ontario housing recovery in 2027, and the Bank’s new forecasting model tracks mortgage renewals – here’s what it means for your mortgage.
Thinking of Cashing In Investments to Pay Off Debt? Compare This First
Two homeowners could have paid off their debt by selling their investments. Here’s what they did instead, and how a debt consolidation refinance made it work.
Canada’s Bond Yield Pulls Back From Its September High, Fewer Canadians Choose the Five-Year Fixed, and Renewing Borrowers See Payments Rise by $375 a Month – Mortgage Minute October 16, 2026
Canada’s five-year bond yield pulled back from its September high, the five-year fixed hit its lowest share of new mortgages since 2013, and renewing borrowers are seeing payments rise by $375 a month – here’s what it means for your mortgage.
Minimum Down Payment in Canada: How the Rules Work
Minimum down payment in Canada depends on the price: 5% on the first $500,000, 10% up to $1.5 million, and 20% from $1.5 million. Here’s how it works.
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