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 5, 2025 | Uncategorized
With all the news about tariffs and trade tensions, you might be wondering, “What does this mean for my investments?” It’s a valid concern, but the most important thing to remember is not to panic over headlines. Key Takeaways:Don’t React to Headlines – Markets move...
by harmerwealth | Feb 19, 2025 | Uncategorized
The latest inflation numbers are out, and while there’s been a slight increase, the big picture remains stable and within the Bank of Canada’s target range. But what does this mean for you as a homeowner, investor, or buyer? Are interest rate cuts still expected? And...
by harmerwealth | Dec 3, 2024 | Uncategorized
Is now the right time to buy your bigger family home, or downsize for retirement?Should you take advantage of changing market conditions before mortgage rates rise further?How will shifting employment trends and higher rental vacancies affect your decisions? The...
by harmerwealth | Dec 3, 2024 | Disability & Critical Illness Insurance, Insurance, Retirement, Uncategorized
Planning for healthcare and long-term care is essential for both you and your parents to ensure financial stability and access to necessary services as you age. With the rising costs of healthcare, proactive measures can significantly alleviate future burdens....
by harmerwealth | Oct 23, 2024 | Uncategorized
Recently, I had a conversation with clients who were preparing for retirement. We talked about their future plans and explored different strategies for using their real estate to create financial freedom. One of the main topics was whether they should sell their home...
