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The Canadian Jobs Report Showed a Small Gain in Net New Employment with the Unemployment Rate Steady at 6.7%
Confusion over a fragile ceasefire continued yesterday as Israel ramped up attacks on Lebanon. The Strait of Hormuz--a key oil shipping route whose closure has sent oil prices skyrocketing in recent weeks--reportedly remained closed. Normally, the Strait accommodates roughly 130 ships a day.

Alisa Aragon-Lloyd
Apr 104 min read


Fraud awareness month: Don’t get caught in these real estate and mortgage scams
Fraud Awareness Month is a reminder, not a warning bell. With the right safeguards in place, transparent documentation, licensed professionals, disciplined credit monitoring and informed decision-making, you dramatically reduce your exposure.

Alisa Aragon-Lloyd
Mar 304 min read


Mortgage and Market Insights
Global markets have been shaken by renewed conflict in the Middle East.

Alisa Aragon-Lloyd
Mar 183 min read


Mortgages: What today’s smart buyers and homeowners are thinking
As we move into 2026, the most successful borrowers aren’t the ones who predict rates perfectly; they are people who stop reacting emotionally and start thinking strategically.

Alisa Aragon-Lloyd
Feb 44 min read


Mortgages and Market Insights
the outcome of CUSMA negotiations will influence inflation, economic growth, and ultimately the direction of inter

Alisa Aragon-Lloyd
Feb 33 min read


Mortgage and Market Insights
Canada’s latest economic releases sparked quite a reaction first from analysts, then from bond markets, and now from lenders.

Alisa Aragon-Lloyd
Dec 12, 20254 min read


Global Tariff Uncertainty Sidelined Buyers
Housing continues to struggle despite the dramatic easing by the Bank of Canada, which took overnight rates down from 5% in June 2024 to 2.75% today, its lowest level since September 2022.

Alisa Aragon-Lloyd
Mar 17, 20253 min read


Weak Canadian Job Creation Opens The Way For BoC Easing Next Week
The employment rate—the proportion of the population aged 15 and older who are employed—was unchanged at 61.1% in February. This follows three consecutive months of increases. The employment rate had previously fallen 1.7 percentage points from April 2023 to October 2024, as employment growth was outpaced by population growth.

Alisa Aragon-Lloyd
Mar 7, 20254 min read


Bank of Canada Cuts Policy Rate By 25 BPs
We expect the BoC to continue cutting the policy rate in 25-bps increments until it reaches 2.5% this Spring, triggering continued strengthe

Alisa Aragon-Lloyd
Jan 29, 20254 min read


Positive News On The Inflation Front
The Consumer Price Index (CPI) increased by 1.8% year-over-year in December, a slight decrease from the 1.9% rise in November. The main...

Alisa Aragon-Lloyd
Jan 22, 20253 min read


The Impact of Tariffs on Canadian Housing Markets
Today is President Trump's inauguration day in the US, and contrary to earlier threats, officials have announced that he will not impose...

Alisa Aragon-Lloyd
Jan 22, 202511 min read


The Surge In Canadian Unemployment Keeps Another Jumbo Rate Cut In Play In December
The BoC slashed the overnight rate by 50 bps this morning , bringing the policy rate down to 3.25%. The market had priced in nearly 90%...

Alisa Aragon-Lloyd
Dec 11, 20242 min read


Another Refinance Program for Secondary Suites
By Alisa Aragon-Lloyd, as seen in "New Home + Condo Guide" magazine, December 2, 2024 The federal government has introduced another...

Alisa Aragon-Lloyd
Dec 5, 20242 min read


Renewing your mortgage is going to get easier
By Alisa Aragon-Lloyd, as seen in "New Home + Condo Guide" magazine, November 4, 2024 As of Nov. 21, the landscape for homeowners is...

Alisa Aragon-Lloyd
Nov 6, 20243 min read


Factors that can jeopardize your mortgage approval
By Alisa Aragon-Lloyd, as seen in "New Home + Condo Guide" magazine, September 16, 2024 Being approved for a mortgage is about more than...

Alisa Aragon-Lloyd
Sep 20, 20243 min read


More Good News On The Canadian Inflation Front
The Consumer Price Index (CPI) rose 2.0% year over year in August, the slowest pace since February 2021, and down from a 2.5% gain in...

Alisa Aragon-Lloyd
Sep 17, 20242 min read


The topmost frequently asked questions by homebuyers
By Alisa Aragon-Lloyd, as seen in "New Home + Condo Guide" magazine, August 26, 2024 What’s the best rate I can get? Your credit score...

Alisa Aragon-Lloyd
Aug 28, 20244 min read


Closing costs to consider when buying a property
By Alisa Aragon-Lloyd, as seen in "New Home + Condo Guide" magazine, July 23, 2024 Closing costs are one-time expenses associated with...

Alisa Aragon-Lloyd
Jul 26, 20243 min read


Early Signs Of Renewed Life In June Housing Markets
Canada’s housing numbers did perk up a bit on a month-over-month basis in June following the first Bank of Canada rate cut.

Alisa Aragon-Lloyd
Jul 12, 20243 min read


What are the down payment options when buying a home?
By Alisa Aragon-Lloyd, as seen in "New Home + Condo Guide" magazine, July 6, 2024 One of the biggest hurdles in buying a home these days...

Alisa Aragon-Lloyd
Jul 9, 20243 min read
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