The Canadian real estate market is going through a serious transition, and if you’ve been paying attention lately, you might’ve seen some wild headlines. Builders offering free gold bars with home purchases? Discussions about 50-year mortgages coming to Canada? Yes, it’s all happening, and I’m here to break it down. I’m Gary McGowan, and as a Toronto-based real estate investor, agent, and educator, I’ve seen plenty of market shifts over the years. But this one feels different. Let’s take a...

This week brought major developments in Canada’s real estate and economic landscape. I sat down with mortgage broker Dion Beg to discuss the latest Bank of Canada rate cut, a new housing initiative in Toronto, and the political tension caused by Doug Ford’s tariff-focused ad campaign in the U.S. These changes could impact your mortgage, your investment strategy, and your long-term financial planning. Let’s break down what you need to know. Canada Cuts Interest Rates Again The Bank of Canada...

Getting approved for a mortgage in today’s market isn’t as straightforward as it used to be. With changing mortgage rates, stricter lending rules, and economic uncertainty, many people are asking the same question: Can I still qualify for a mortgage if I have a low credit score? In my recent conversation with mortgage broker Dion Beg , we unpacked this very question. We covered everything from how lenders are reacting to the current market to what your options are if your credit isn’t where...