With 28 years of progressive experience across various industries, check out just a few testimonials
“Working with Marg has made what can be a complicated process so much easier to handle. Because of Marg I am happy and settled into my new home that I didn’t even expect to have when I started this process. What a delight it’s been to have Marg as my mortgage broker. Thank you Marg!” Ben L.
‘Working with Marg to obtain a mortgage on our house was a smooth and efficient process. Marg treated us like we were her only clients; being quick to respond to questions and consistently helpful. I feel like she got us the best rates around, and helped us obtain a secured line of credit at an amazing rate as well. I wouldn’t need to use any other mortgage broker! Marg is highly knowledgeable and trustworthy at what she does.’
Sarah & Nate
We were incredibly fortunate to have had a chance to work with Marg on our house refinance! She was attentive, clear, and invested in our experience. Any concerns we had about the process were quickly simplified and addressed. Marg made the entire experience as painless as possible and was truly invested in our little family’s wellbeing. I not only would recommend her to other but will be returning to her for any services we may need in the future!
Pamela & Alex
I would highly recommend Marg. I guarantee you will be absolutely thrilled you did. Not only is she excellent at what she does, she is also so thoughtful, understanding and pleasant. She will walk you through everything, explain in detail all your options, remind you when you need to get things done. Marg had all the bases covered and she got me an excellent rate. She always returned all my calls promptly and has given me some solid guidance and for that, I am truly grateful.
Linda
Thank you for your sweet encouragement and supporting us through the smooth and quick process of buying our first home! We appreciate your availability, willingness to connect, and prompt answers to our many questions.
Brad & Natalya
Thank you very much, Marg, for working with us. You are an exceptional listener, you are very knowledgeable, and you are compassionate - helping us to find a solution that works best for us. We look forward to continuing to work with you!
Jaimie & Ruben
Bank of Canada maintains policy rate at 2¼%
The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.
The war in the Middle East has increased volatility in global energy prices and financial markets, and heightened the risks to the global economy. The breadth and duration of the conflict, and hence its economic impacts, are highly uncertain.
Prior to the war, the global economy was on pace to grow at around 3%, as expected in the January Monetary Policy Report (MPR). Economic growth in the United States has moderated but remains solid, driven by consumption and strong AI-related investment. US inflation remains above target and has evolved largely as expected. In the euro area, domestic demand is supporting growth while exports have contracted. Chinas economy continues to be boosted by strength in exports, but domestic demand remains weak.
Since the outbreak of the conflict in the Middle East, global oil and natural gas prices have risen sharply, and this will boost global inflation in the near-term. In addition to energy supply disruptions, transportation bottlenecks stemming from the effective closure of the Strait of Hormuz could impact the supply of other commodities, such as fertilizer. Financial conditions have tightened from accommodative levels. Global bond yields have risen, equity market prices have declined, and credit spreads have widened. The Canada-US dollar exchange rate has remained relatively stable.
https://www.bankofcanada.ca/2026/03/fad-press-release-2026-03-18/
CMHC Beyond Toronto and Vancouver: Affordability challenges spread across Canadian cities
While housing costs ease slightly nationally, they remain near historic highs in Ottawa, Montral and Halifax
For years, weve heard that housing affordability in Canada has hit rock bottom. Despite some recent improvements, the new CMHC Housing Affordability Composite Index, launched today, shows it remains a major challenge. But this blanket statement overlooks how much housing affordability has eroded in Ottawa, Montral and Halifax in recent years.
Its clear the crisis is no longer limited to Toronto and Vancouver.
Housing affordability is shaped by several factors, not only how much housing is costing. It also includes having enough income to pay rent or a mortgage. It depends on supply and demand factors that determine how easy or hard it is to find a housing unit at a given price. In addition, it considers discretionary income that can be used to make space for a greater housing budget.
While many housing affordability indexes exist in Canada, most are based on a single indicator, resulting in an incomplete picture of the issue. Many also focus only on homeownership affordability, overlooking the rental housing market segment. This approach misses a key component of housing in Canada and the potential interactions between the rental and homeownership market segments.
https://www.cmhc-schl.gc.ca/observer/2026/beyond-toronto-vancouver-affordability-challenges-spread-across-canadian-cities
NBC: Two-Year Streak: Housing Affordability Improves Through 2025Q4
Highlights:
Canadian housing affordability posted an eight consecutive improvement in Q425. This was the longest streak of improving affordability ever recorded in the country. The mortgage payment on a representative home as a percentage of income (MPPI) fell 0.4 percentage points. Seasonally adjusted home prices rose 0.4% in Q425 from Q325; the benchmark mortgage rate (5-year term) increased 4 basis points, while median household income rose 0.8%.
Affordability improved in 6 of the ten markets in Q4. On a sliding scale of markets from best progression to least: Vancouver, Calgary, Toronto, Edmonton, Victoria and Hamilton. On the flip side, Quebec City and Ottawa/Gatineau deteriorated in the fourth quarter, while Montreal and Winnipeg remained unchanged. Countrywide, affordability enhanced by 0.6 pp in the condo portion and 0.4 pp in the non-condo segment.
Housing affordability improved again in the final quarter of 2025, marking an eighth consecutive quarterly gain, the longest streak on record. The mortgage payment as a percentage of income fell to 51.6%, its lowest level in almost four years. Even with the recent improvement, affordability remains well above the long-term average of 40.5% since 2000. The latest progress in affordability came despite a modest increase in national home prices, the first in three quarters. The 5-year mortgage rate reversed the prior quarters 4-basis-point increase, declining by the same amount in Q4. This represented the seventh improvement in financing costs in the past eight quarters, offering a slight boost to affordability. With this latest movement, borrowers are financing at rates approximately 22 basis points lower than a year earlier. Income gains, however, contributed more to the improvement in the quarter than changes in interest rates. Although incomes have lagged home price growth in recent years, the gap has been narrowing, and the home-price-to-income ratio now stands at its most favourable level in five years. Affordability trends varied across regions. Vancouver and Calgary posted the largest quarterly declines in the mortgage payment as a percentage of income, helped in part by lower home prices. Toronto also enjoyed a sharp improvement despite the stabilization in home prices. In contrast, affordability worsened in Qubec City and Ottawa-Gatineau, where price growth more than offset the impact of higher incomes and lower financing costs. Most of the improvements in the last year have occurred in the markets that were the most stretched, rather than in areas with relatively more affordable housing. This pattern may continue in 2026, as ongoing softness in the Toronto and Vancouver resale markets does not suggest an imminent rebound in prices especially with the ongoing slowdown in population growth. Looking ahead, assuming tepid home price increase changes over the next year at the national level, income growth is expected to remain the primary driver of further improvements in affordability, as interest rates are unlikely to provide much additional support. The Bank of Canada has indicated it is comfortable with its current stance on monetary policy and persistent government deficits worldwide could exert upward pressure on longer-term yields.
https://www.nbc.ca/content/dam/bnc/taux-analyses/analyse-eco/logement/housing-affordability.pdf
