by harmerwealth | Aug 26, 2025 | Financial, Financial Planning, Interest Rates, Mortgages, Retirement
If your mortgage‑renewal email made your coffee go cold—join the club. Canada’s renewal wave is here, and it’s reshaping household budgets, housing choices, and retirement timelines across Durham, Clarington, Northumberland, Kawarthas—and right here...
by harmerwealth | Apr 15, 2025 | Debt, Economy, Financial Planning, Interest Rates
Canada just got some good news on the cost of living front: our inflation rate for March fell to 2.3%. This was a surprise to many experts, and it’s the lowest it’s been in quite a while. But what does that really mean for you and your family? In this post, we’ll...
by harmerwealth | Mar 12, 2025 | Interest Rates, Mortgages, Real Estate, Uncategorized
Big news for homeowners, buyers, and investors: the Bank of Canada has cut its key interest rate by another 0.25%, marking a shift in the economic landscape. If you have a variable-rate mortgage, this directly impacts you—so let’s break it down. Variable-Rate Mortgage...
by harmerwealth | Mar 4, 2025 | Economy, Financial Planning, First-Time Home Buyer, Interest Rates, Investing, Investment Income, Mortgages, Real Estate, Retirement
We understand that the recent fear and volatility caused by Trump’s latest antics—particularly his tariffs on Canada—have left many of you feeling uneasy. If history has taught us anything, however, it’s that we’ve seen this before. This is Trump 2.0—a bad movie we’re...
by harmerwealth | Jan 29, 2025 | Interest Rates, Mortgages, Real Estate
The Bank of Canada has lowered its key interest rate by 0.25%, a move that could have significant financial implications for Canadians. Whether you have a mortgage, carry variable-rate debt, are an investor, or are considering buying or...
by harmerwealth | Jan 18, 2025 | Interest Rates, Mortgages
With President Trump’s inauguration just days away, you may be wondering how U.S. policies, particularly tariffs, could impact your finances—especially if you’re renewing your mortgage or have a variable rate. Here’s what you need to know and why it matters. What’s...
