Scott Murray

Name: Scott Murray
Address: 6 Thomasfield Drive, Guelph, Ontario, Canada
Telephone: 519.830.0350

Mortgage Agent Level1

Office:

Capital Home Lending

Phone:

519.830.0350

Email:

scott@capitalhomelending.ca

Address:

6 Thomasfield Drive, Guelph, Ontario, N1G 4J3

AGENT LICENSE NUMBER:

M23006193

BROKERAGE LICENSE NUMBER:

12347

lt Makes Sense To Use An Expert

Especially when dealing with complex financial matters like mortgages. Being a member of Canada's #1 Mortgage Broker Network with experts who are part of the Canadian Association of Accredited Mortgage Professionals ensures that the services provided adhere to a strict Code of ethics and professional conduct. This adds a layer of trust and credibility to the services offered.

Mortgage agents play a crucial role as trusted intermediaries, working with numerous financial institutions, which means they can provide access to a wide range of mortgage options. Having access to over 40 of Canada's best mortgage lending financial institutions gives borrowers the opportunity to compare different offers and terms, enabling them to make more informed decisions.

Moreover, the fact that your professional services are paid for by the lenders and not the clients can be very appealing to potential borrowers, as it provides an incentive to seek the assistance of a mortgage expert without incurring additional costs.

Shopping for the best mortgage is not a straightforward process, and it requires specialized expertise to navigate through various bank offers and terms. An experienced mortgage professional can save homeowners time, effort, and potentially money by helping them find the most suitable mortgage financing available in the market.

Additionally, the mortgage process can be daunting for many homeowners, and some financial institutions may not provide the necessary support to make it easier for borrowers. Having a knowledgeable mortgage agent to guide them through the process can alleviate some of the stress and confusion.

My clients rely on me to secure the best mortgage financing for their needs. It's an opportunity for them to receive personalized assistance, access to multiple lenders, and the expertise required to make informed decisions.

Give me a call. Let's talk.

BLOG / NEWS Updates

Ontario Expanding HST Rebate to Lower the Cost of New Homes in Partnership with the Federal Government

The Ontario government is continuing to lower costs and help families realize the dream of homeownership by removing the full 13 per cent of the Harmonized Sales Tax (HST) for eligible buyers of new homes valued up to $1 million, for a maximum rebate of $130,000, as part of the upcoming 2026 Budget. This maximum rebate of $130,000 would be maintained for new homes valued up to $1.5 million, and would decrease proportionally from $130,000 at $1.5 million to a maximum of $24,000 for homes valued at $1.85 million and above, building on the province and federal governments previous move to rebate the HST for all first-time buyers of new homes up to $1 million. https://news.ontario.ca/en/release/1007212/ontario-expanding-hst-rebate-to-lower-the-cost-of-new-homes-in-partnership-with-the-federal-government

TD Economics: Canada - What Might Have Been

This weeks data releases and Bank of Canada (BoC) statement describe a world that could have been, with a domestic backdrop that showed signs of easing inflation. The war in Iran has upended that. With escalatory strikes on energy infrastructure this week, WTI oil prices are holding at $94 (as of the time of writing). All the focus is now on how big and persistent the energy shock will be with the prospect of stagflation looming. It is unfortunate that households and businesses will face this new pinch, because this mornings retail sales data sent some positive signals. Real volumes posted a solid gain in January, taking the three-month gain to 7.7% (annualized) and Februarys preliminary estimate of the nominal figure showed another solid month could be expected. After a year of fits and starts, it looks like things were just starting to turn a corner. The expected surged in gasoline and energy prices in March will muddy the picture and likely eat into the real spending figures in the months ahead. https://economics.td.com/ca-weekly-bottom-line

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/

6 Months	5.49%
1 Year	4.99%
2 Years	4.44%
3 Years	4.34%
4 Years	4.39%
5 Years	4.24%
7 Years	5.19%
10 Years	5.49%
6 Months Open	9.75%
1 Year Open	9.75%
*Rates subject to change and OAC

My Rates

Scott Murray

BROWSE

COMPLETE

REFER

BLOG / NEWS Updates

Ontario Expanding HST Rebate to Lower the Cost of New Homes in Partnership with the Federal Government

TD Economics: Canada - What Might Have Been

Bank of Canada maintains policy rate at 2¼%

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