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.
Banks Continue to Raise Fixed Rates, Toronto Condos Hit Their Best Affordability Since 2017, and Ontario Home Sales Are Forecast to Fall – Mortgage Minute October 2, 2026
Banks continue to raise fixed rates, Toronto condo affordability reaches its best level since 2017, and Ontario home sales are forecast to fall again this year – here’s what it means for your mortgage.
The Closing Freeze: 10 Things Not to Do Before You Get the Keys
Your mortgage approval is a snapshot, and the lender can re-check it right up until funding. Here are 10 things to avoid between a firm offer and closing day in Toronto.
Bank of Canada Warns Against Waiting Too Long on Rate Hikes, Canada’s Housing Shortage Persists, and Retirement Wealth Stays Locked in Homes – Mortgage Minute September 25, 2026
The Bank of Canada governor warned that waiting too long to raise rates could mean bigger hikes later, CMHC says Canada is still short up to 238,000 homes a year, and Canadians nearing retirement have most of their wealth tied up in their homes – here’s what it means for your mortgage.
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.
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