Ontario mortgage brokers are entering a critical period. Higher interest rates over the past few years, rising living costs, and increased reliance on unsecured debt have left many homeowners carrying more credit card balances, lines …

After the holidays, many Ontario homeowners find themselves carrying higher-than-usual balances on credit cards and other unsecured debt. Holiday spending, combined with the ongoing rise in everyday living costs, often leads borrowers …

In a bold move that sent ripples through the financial markets, President Donald Trump announced last Wednesday his intention to ban large institutional investors from purchasing additional single-family homes. “I am immediately …

The start of a new year is one of the best times for mortgage brokers to step back, reset, and make sure their lender relationships are fully aligned with their business goals. At Tembo Financial, we work with brokers across Ontario …

The period between mid‑December and early January in Ontario is often quieter in terms of home‑buying activity — fewer listings, slower traffic, staff shortages at lenders and legal firms, and general holiday distractions. But f …

It’s been just over a month since the November 4, 2025 release of federal Budget 2025. It’s the first big financial plan from Prime Minister Mark Carney’s team, and housing is a critical focus. The budget doesn’t r …

In today’s tightening lending environment, many Ontario mortgage brokers are seeing an increase in clients who simply don’t fit the banks’ credit score requirements. Even borrowers with strong equity and stable income are being …

The Last 10 Years of Federal Finances Inspired by the release of 2025-26 Federal Budget, Tembo did a deep dive on how the federal government’s finances have evolved over the last decade. In 2015-16, the government ran what was appro …

In today’s high-debt environment, more Ontario homeowners are looking for creative ways to access the equity in their homes. Whether it’s to fund renovations, pay down debt, secure a deposit on another property or something else, …

A Turning Point for Mortgage Rates in Canada Canada’s latest federal budget may have opened the door to another round of Bank of Canada rate cuts — and Ontario mortgage brokers should pay close attention. With growth slowing, infl …

We’ve all seen bad headlines on the state of the condo market, with sales hitting lows – just 319 units sold across the Greater Toronto Area (GTA) in Q3 2025, the weakest in 35 years. Inventory piles up, prices soften, and a recov …

Governments need to get housing booming again to fix their finances Canada’s fiscal challenges across federal, provincial, and municipal levels underscore the urgent need for pro-housing policies to stimulate growth. The Bank of Can …