Mortgage Blog

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Category: Blog (66 posts)

Renovations- which one adds the most value

Renovations- which one adds the most value

May 13, 2024 | Posted by: Patrick Mulhern

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Federal Government offers 30 year amortization to FTHB

Federal Government offers 30 year amortization to FTHB

April 24, 2024 | Posted by: Patrick Mulhern

Federal Government offers 30 year amortization to FTHB- ... [read more]

FTHB (RRSP) limit increases to $60k

FTHB (RRSP) limit increases to $60k

April 14, 2024 | Posted by: Patrick Mulhern

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Bank of Canada - remains at 5.0%

Bank of Canada - remains at 5.0%

April 10, 2024 | Posted by: Patrick Mulhern

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New housing and banking measures

New housing and banking measures

April 4, 2024 | Posted by: Patrick Mulhern

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Spring-  Fraud prevention month

Spring- Fraud prevention month

March 15, 2024 | Posted by: Patrick Mulhern

Time to spring forward with your mortgage goals!  As the days grow longer, we warmly welcome the arrival of spring � a season of renewal and growth. Just as we set our clocks fo ... [read more]

Bank of Canada - held rate steady

Bank of Canada - held rate steady

March 6, 2024 | Posted by: Patrick Mulhern

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BC budget 2024

BC budget 2024

March 1, 2024 | Posted by: Patrick Mulhern

New housing measures a central part of the B.C. government’s 2024 budget Feb 28, 2024 A central part of the British Columbia government’s 2024 budget included new measures ai ... [read more]

RRSP Season

RRSP Season

February 21, 2024 | Posted by: Patrick Mulhern

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Financial update

Financial update

February 2, 2024 | Posted by: Patrick Mulhern

Market Commentary: Rate and GDP update and US employment numbers Feb 2, 2024 Jason Ellis, President and Chief Executive Officer, First National Financial Greetings! Rates Ho ... [read more]

Bank of Canada hold the bank rate

Bank of Canada hold the bank rate

January 24, 2024 | Posted by: Patrick Mulhern

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Steady as it goes with Bank of Canada December 2023

Steady as it goes with Bank of Canada December 2023

December 11, 2023 | Posted by: Patrick Mulhern

Steady as it goes – Bank of Canada maintains its key policy rate at 5.0 per cent December 6, 2023 In its recent decision, the Bank of Canada has opted to maintain the key policy ra ... [read more]

Home Equity - Refinance vs 2nd mortgage

Home Equity - Refinance vs 2nd mortgage

November 9, 2023 | Posted by: Patrick Mulhern

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November is Radon action month

November is Radon action month

November 2, 2023 | Posted by: Patrick Mulhern

Spotlight on Radon: November is Radon Action Month in Canada Health Canada estimates that 1 in 14 homes in Canada has an elevated level of radon. P ... [read more]

Bank of Canada maintains the key rate at 5.0%

Bank of Canada maintains the key rate at 5.0%

October 25, 2023 | Posted by: Patrick Mulhern

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Good news for interest rates

Good news for interest rates

October 17, 2023 | Posted by: Patrick Mulhern

Canada inflation falls in September Mortgage interest and rent payments remain a huge contributor to annual price growth Canada’s inflation rate ticked down slightly in September, ... [read more]

Fraud prevention

Fraud prevention

October 4, 2023 | Posted by: Patrick Mulhern

Fraud prevention Protecting Your Information Fraud takes on many forms and is continually changing. Identity theft is a common form of fraud. Identity theft occurs when your personal inf ... [read more]

Unlocking the door to your dream home

Unlocking the door to your dream home

September 28, 2023 | Posted by: Patrick Mulhern

Unlocking the Door to Your Dream Home: Exploring First-Time Homebuyer Options   Home Sweet Home: these three words hold a special place in our hearts. Owning a home is a dream many o ... [read more]

Bank of Canada - no change - next meeting October 25th

Bank of Canada - no change - next meeting October 25th

September 6, 2023 | Posted by: Patrick Mulhern

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Inflation lower than anticipated

Inflation lower than anticipated

September 5, 2023 | Posted by: Patrick Mulhern

Canada’s economy contracted in Q2, raising the odds of a BoC rate hold Sep 5, 2023 The Canadian economy contracted in the second quarter, led by a sharp drop in construction activity ... [read more]

Reasons to refinance your home

Reasons to refinance your home

August 31, 2023 | Posted by: Patrick Mulhern

Top Reasons To Refinance Your Home And Reasons Why You Maybe Should Not.   Refinancing a mortgage means replacing your existing loan with a new one, either with your current lender o ... [read more]

Good news - Inflation rate drops to below 3%

Good news - Inflation rate drops to below 3%

July 18, 2023 | Posted by: Patrick Mulhern

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Bank of Canada raises interest rate to 5.0%

Bank of Canada raises interest rate to 5.0%

July 12, 2023 | Posted by: Patrick Mulhern

Bank of Canada raises its key rate The Bank of Canada increased the overnight rate today to 5% despite the decline in the inflation rate to 3.4% as of May 2023 because o ... [read more]

Income property - retirment strategy

Income property - retirment strategy

July 8, 2023 | Posted by: Patrick Mulhern

Catching Up on Retirement with an Income Property: A Wise Investment Strategy As the retirement landscape continues to evolve, many individuals find themselves concerned about the adequacy of t ... [read more]

Bank of Canada increased .......... could have gone either way

Bank of Canada increased .......... could have gone either way

June 7, 2023 | Posted by: Patrick Mulhern

Economic growth leads the Bank of Canada to increase its benchmark interest rate Be the expert Jun 7, 2023 First National Financial LP Today, the Bank of Canada increased its ove ... [read more]

Spring cleaning

Spring cleaning

May 31, 2023 | Posted by: Patrick Mulhern

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Should I break my mortgage early?

Should I break my mortgage early?

May 5, 2023 | Posted by: Patrick Mulhern

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Canada's Inflation sees a big drop

Canada's Inflation sees a big drop

April 18, 2023 | Posted by: Patrick Mulhern

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Bank of Canada - no change as expected

Bank of Canada - no change as expected

April 12, 2023 | Posted by: Patrick Mulhern

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First Home Savings Account - started April 1, 2023

First Home Savings Account - started April 1, 2023

April 5, 2023 | Posted by: Patrick Mulhern

  A New Tool in Your Box as of April 1, 2023 What is a First Time Home Savings Account (FHSA)? An FHSA is a new type of savings account introduced by the federal government that pr ... [read more]

Key housing related facts from yesterday's budget

Key housing related facts from yesterday's budget

March 29, 2023 | Posted by: Patrick Mulhern

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Bank of Canada held key rate

Bank of Canada held key rate

March 9, 2023 | Posted by: Patrick Mulhern

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Good news for rates

Good news for rates

February 28, 2023 | Posted by: Patrick Mulhern

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Good news:  Inflation fell in Canada

Good news: Inflation fell in Canada

February 21, 2023 | Posted by: Patrick Mulhern

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Where is the market going?

Where is the market going?

February 10, 2023 | Posted by: Patrick Mulhern

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Bank of Canada - small increase

Bank of Canada - small increase

January 25, 2023 | Posted by: Patrick Mulhern

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Happy Holidays

Happy Holidays

December 19, 2022 | Posted by: Patrick Mulhern

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Stress Test rate unchanged

Stress Test rate unchanged

December 15, 2022 | Posted by: Patrick Mulhern

Canada’s banking regulator is keeping its qualifying rate for uninsured mortgages unchanged, staving off calls from some quarters to relax the criteria amid a surge in in ... [read more]

Bank of Canada - .50% rate increase

Bank of Canada - .50% rate increase

December 7, 2022 | Posted by: Patrick Mulhern

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Bank of Canada - October 26 annoucement

Bank of Canada - October 26 annoucement

October 26, 2022 | Posted by: Patrick Mulhern

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Economist insight

Economist insight

October 24, 2022 | Posted by: Patrick Mulhern

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Rate increase & how they impact you

Rate increase & how they impact you

September 13, 2022 | Posted by: Patrick Mulhern

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Bank of Canada - another .75% increase

Bank of Canada - another .75% increase

September 7, 2022 | Posted by: Patrick Mulhern

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History chart on financial markets

History chart on financial markets

August 31, 2022 | Posted by: Patrick Mulhern

Here is an interesting timeline of financial events over the years. ... [read more]

Budgeting for inflation

Budgeting for inflation

August 2, 2022 | Posted by: Patrick Mulhern

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1% Jump in the Bank Rate today

1% Jump in the Bank Rate today

July 13, 2022 | Posted by: Patrick Mulhern

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Rising interest rates

Rising interest rates

June 2, 2022 | Posted by: Patrick Mulhern

    How rising rates can affect your mortgage The one-two-punch of supply chain issues and th ... [read more]

Bank of Canada - another .50% increase

Bank of Canada - another .50% increase

June 1, 2022 | Posted by: Patrick Mulhern

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Tax-Free First Home Savings Account

Tax-Free First Home Savings Account

May 3, 2022 | Posted by: Patrick Mulhern

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Bank of Canada - right hike .50%

Bank of Canada - right hike .50%

April 13, 2022 | Posted by: Patrick Mulhern

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Federal budget - real estate

Federal budget - real estate

April 8, 2022 | Posted by: Patrick Mulhern

    Federal Budget Released April 7, 2022       Impacts on Mortgage Brokers    ... [read more]

Spring clean your finances

Spring clean your finances

April 7, 2022 | Posted by: Patrick Mulhern

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What does higher rates mean to you?

What does higher rates mean to you?

March 9, 2022 | Posted by: Patrick Mulhern

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Bank of Canada rate increase- 1st in 2  years

Bank of Canada rate increase- 1st in 2 years

March 2, 2022 | Posted by: Patrick Mulhern

Bank Of Canada Rate Update March 2, 2022  March 2 2022     Bank of Canada Increases Policy Interest Rate The Bank of Canada today increased its target for the overnight rate ... [read more]

More fixed rate increases

More fixed rate increases

February 16, 2022 | Posted by: Patrick Mulhern

Pressure on the bond market continues to put pressure on rates.  Looks like we are going to see another round of fixed rate increases by the end of this week.  RATES:  Here i ... [read more]

RRSP season - Deadline March 1st

RRSP season - Deadline March 1st

February 3, 2022 | Posted by: Patrick Mulhern

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Bank Rate - no change that shocked many experts

Bank Rate - no change that shocked many experts

January 26, 2022 | Posted by: Patrick Mulhern

Bank of Canada maintains policy rate, removes exceptional forward guidance The Bank of Canada today held its target for the overnight rate at the effective lower bound of � %, with the Bank Rate at ... [read more]

Mortgage Matters - January 2022

Mortgage Matters - January 2022

January 14, 2022 | Posted by: Patrick Mulhern

Happy New Year:     It's time to look at some upcoming deadlines for property owners as well as a rate update.  ADVANCE PROPERTY TAX NOTICE: Deadline is February ... [read more]

Bank of Canada - no change

Bank of Canada - no change

December 8, 2021 | Posted by: Patrick Mulhern

Bank Of Canada Rate Update December 9, 2021  December 8 2021      Bank of Canada maintains policy rate and forward guidance The Bank of Canada today held its target for t ... [read more]

How to hire a handyman

How to hire a handyman

November 23, 2021 | Posted by: Patrick Mulhern

HOME MAINTENANCE How To Hire A handyman Whether it’s a big project such as a bathroom remodel, something small like putting up shelves, or repairs and routine maintenance, many ... [read more]

Gifting money to your child

Gifting money to your child

November 18, 2021 | Posted by: Patrick Mulhern

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The lowdown on Appraisals

The lowdown on Appraisals

November 16, 2021 | Posted by: Patrick Mulhern

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BC Working Hard to Strengthen Protection for Home Buyers

BC Working Hard to Strengthen Protection for Home Buyers

November 8, 2021 | Posted by: Patrick Mulhern

BC Working Hard to Strengthen Protection for Home Buyers To better protect consumers in B.C.’s real estate market, the Province is introducing legislation that requires cooling off pe ... [read more]

Bank Rate - no change

Bank Rate - no change

October 27, 2021 | Posted by: Patrick Mulhern

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What is home equity and how do I build it?

What is home equity and how do I build it?

October 13, 2021 | Posted by: Patrick Mulhern

What Is Home Equity and How Can I Build it?   Home equity is an essential asset for creating wealth and income. Learn how home equity is calculated, why it's important, and five steps ... [read more]

How to assist your child in homeownership

How to assist your child in homeownership

October 7, 2021 | Posted by: Patrick Mulhern

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