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 …

As we move into Fall 2025, Ontario’s mortgage and real estate markets are at an important turning point. Brokers are navigating an environment shaped by rate adjustments, shifting consumer behavior, and persistent household debt pr …

The Ontario housing market in September 2025 remains unpredictable. With higher mortgage costs, tighter bank lending rules, and slower home sales creating uncertain closing timelines, many buyers and homeowners are running into chal …

The Ontario housing market has been unpredictable in 2025. With higher mortgage payments, tighter lending conditions, and stubborn household debt, more families are finding themselves at risk of power of sale — when a lender force …

Supporting Your Clients Through Debt Consolidation: A Broker’s Advantage in 2025 Persistent inflation, higher borrowing costs, and ongoing economic uncertainty continue to put pressure on Canadian households in 2025. Across Ontario, …

As a mortgage broker or real estate professional, you’re always looking for solutions to help your clients navigate complex financial situations, especially when traditional lenders fall short. At Tembo Financial, we specialize in p …