It's not a big secret that the bond yields and fixed mortgage rates have a positive relationship, as bond yields rise, typically so do fixed rates for mortgages.  
By following the bond yields, you can predict when mortgage rates can be expected to change and even estimate to where​.





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May '16 was the biggest month for Toronto new home prices in 27 years.

Prices in Canada’s largest metropolitan area rose 1.9 percent in May, and were up 6.4 percent from a year earlier

Please contact me for Unpublished Rate Special !

Phone: 613.697.7801 This email address is being protected from spambots. You need JavaScript enabled to view it.

Address: 2725 Queensview Drive, Suite 500, Ottawa, Ontario

Are you doubt in your abilities?

  • Renew Your Mortgage

    Your business is important to us.

    Whether you’re renewing your mortgage for the first time or the last time, we’re here to help you save money with the right mortgage options for your current and future needs.

    Renewing Your Mortgage – How it Works

    Renewing your mortgage is simple! Here’s how it works and a quick summary of some things you can do to make it even easier:

    Step 1 : Start thinking about your needs and goals.

    If you’re close to renewal, now is a great time to review your financial goals and your plans for the future. You might want to consider the following types of questions:

    • Has your financial situation changed since your last renewal?
    • Are you planning any home renovations or will you need additional funds?
    • Will you be moving within the next year?
    • Do you prefer fixed or variable rates, or are you unsure?

    Renewing for the first time? Have questions?

    CONTACTS, and I will get back to you with a mortgage solution that best suits your requirements.

    Step 2 : Consider renewing early!

    We’ll contact you about 120 days out from your renewal date to discuss your current mortgage needs. (You can also call or visit us.) You can renew early at this point (or any time up to your renewal date), or you can wait and consider your options.

    If you renew early, you’ll be able to lock in at current interest rates even sooner – which could save you thousands of dollars in interest if rates rise before your renewal date.

    Step 3 : Time to renew if you haven’t already!

    About three weeks before your renewal date, we’ll send you a renewal letter in the mail. If you have questions about your renewal rate and term, you can give us a call or visit one of our offices.

    When you renew your mortgage at maturity, you are protected from an increase in interest rates, for the interest type and term you selected, in the 30-day period prior to your regularly scheduled renewal date. And, if the interest rate changes before your actual mortgage renewal date, you’ll automatically receive the lower rate for the term and type you chose.

    It’s that simple!

  • Buying a New Home

    With today’s market flooded with a number of mortgage products, you need the help of a mortgage professional to make the right decision. In case you are a first-time homebuyer or even if it’s your second time around, consulting a mortgage expert will prove extremely beneficial.

    As a first time home buyer, you are usually unaware of the financing plans that are available. You must know how to pick the right one for your specific needs along with the legalities involved. I can assist you by providing the right advice, and making the application process lucid, simple and error-free.

    Even if you have done this before, you might not be well informed of the latest rates and packages available. To ensure the mortgage you choose is tailor-made according to your needs, get in touch with me at the earliest.

    CONTACTS, and I will get back to you with a mortgage solution that best suits your requirements.

Mortgages news

  • Bank of Canada keeps interest rate at 0.25%

    The Bank of Canada is keeping its key interest rate target on hold at 0.25 per cent and says it will stay there until inflation is back on target.

    The central bank’s key rate has remained at its lower effective bound since March when COVID-19 lockdowns plunged the economy into crisis.
    In a statement on Wednesday, the central bank’s governing council says that bounce-back activity in the third quar...

  • Bank of Canada cuts benchmark mortgage rate to lowest level in three years

    House-hunting Canadians saw their buying power increase this week as the benchmark five-year mortgage rate reported by the Bank of Canada fell for the third time this year, easing a key stress test faced by borrowers.
    The central bank said the rate fell to 4.79 per cent, after decreasing to 4.94 per cent in May and to 5.04 per cent in March.
    James Laird, the co-founder of and president of...

  • Mortgage rates could near a record low as experts expect the Bank of Canada to cut its five-year mark as soon as this week.
    CIBC and BMO both cut their five-year mortgage rates by 15 basis points earlier this week to 4.79 per cent.

    The Canadian Mortgage Brokers’ Association expects an imminent cut to the benchmark five-year rate, as well. The Bank of Canada is expected to reduce the benchmark qual...


If you have questions

If you have questions on how to make your mortgage work for your financial plans, talk to me.
I’m a mortgage expert and I’m committed to providing the best mortgage advice to all my clients.

Talk to me :)

Elena Roy
Mortgage Agent Level 2
Licence # 12001012

Tel: (613) 697-7801

Kanata Office
200 - 260 HEARST WAY
K2L 3H1



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