by harmerwealth | Nov 2, 2026 | Mortgages
If your mortgage comes up for renewal in the next twelve months, you have probably noticed that the conversation has changed. For most of 2025 and the first half of 2026 the question was how far rates might fall. On October 28, 2026 the Bank of Canada raised its...
by harmerwealth | Aug 24, 2026 | Disability & Critical Illness Insurance, Estate Planning, Financial Planning, First-Time Home Buyer, Inheritance, Insurance, Investing, Investment Income, Mortgages, Retirement, Tax Planning
The right financial advisor for Durham Region and Northumberland County is a licensed, fee-transparent planner who lives and works where you do — not a call-centre voice three time zones away. When you’re comparing advisors in Port Hope, Oshawa, Bowmanville, or...
by harmerwealth | Mar 14, 2026 | Debt, Economy, Financial Planning, Interest Rates, Investing, Mortgages, Real Estate, Tax Planning
By Chad Harmer This 2026 market update is not just about stocks. It is about how market volatility, mortgage rates, financial planning decisions and real estate timing all land on the same household balance sheet. For families and business owners here in Ontario,...
by harmerwealth | Nov 18, 2025 | Financial Planning, Inheritance, Mortgages, Retirement, Tax Planning
Why Canadians Are Looking at the Smith Manoeuvre Again Canadians are getting squeezed from all sides: higher living costs, stubborn inflation, heavy taxation, and a lot of uncertainty around pensions and government benefits. For many homeowners, most of their net...
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 22, 2025 | Financial Planning, First-Time Home Buyer, Investing, Investment Income, Life Insurance, Mortgages, Pensions, Retirement, Tax Planning
At Harmer Wealth Management and The Harmer Group, we offer a full-service financial planning experience that guides you seamlessly through every life milestone. Serving Oshawa, Whitby, Bowmanville, Clarington, Scugog, Port Hope, Cobourg, Peterborough, Cavan, Prince...
