https://www.mpamag.com/ca/mortgage-industry/industry-trends/reactions-flood-in-as-boc-announces-latest-rate-call/563481 Licensed mortgage broker Leah Zlatkin said the pause left affordability “essentially unchanged” but gave borrowers clearer sightlines. “Affordability stays essentially unchanged with today’s hold, and that stability is important for buyers who have been waiting for clearer signals,” Zlatkin said. “Rates are expected to remain relatively steady in the near term, which gives buyers […]

https://ca.finance.yahoo.com/news/rate-cuts-may-be-done-now-its-about-the-right-mortgage-game-plan-134214301.html?guccounter=1&guce_referrer=aHR0cHM6Ly9hcHAubWVsdHdhdGVyLmNvbS8&guce_referrer_sig=AQAAANAFFfZjJmOSMZ_MudqwFr9s5su9yz3IGg-z26sf1DfI9luBOE8Lk0TRoQncHq2SnGssKkElRp7GKqUmXjZnycF_tkGhtCza-mb6zcopE7dcel3BJVYW6ddOuL3CUccTW0tCNgBzH66Jwye_d0vJL21cxIxVruIM0uRUbv4BxBm- “We’ve moved into a much more normalized rate environment,” said Leah Zlatkin, a mortgage broker at Mortgage Outlet. “There’s no clear signal that rates are heading materially lower, and in some cases, we’re already seeing lenders adjust pricing upwards. That makes it important for borrowers to focus on what’s available now rather than wait […]

https://www.mpamag.com/ca/specialty/broker-insights/canadians-face-pivotal-mortgage-choices-as-rate-cycle-flattens/561459 Analysts expect the Bank of Canada’s overnight rate to hover around 2.25% into 2026, signalling that the bulk of easing is likely behind the market even as inflation stayed close to target. “​We’ve moved into a much more normalized rate environment,” Leah Zlatkin, licensed mortgage broker, said. “There’s no clear signal that rates are heading […]

https://www.mpamag.com/ca/mortgage-industry/market-updates/only-half-of-gta-homes-listed-in-2025-find-buyers/561299 “A more buyer‑friendly market was emerging in Toronto amid plummeting home sales, slipping prices and a flood of inventory – but first‑time buyers were still navigating plenty of uncertainty and making big mistakes to be avoided in the current environment,” licensed broker, Leah Zlatkin said. Zlatkin stressed the role of advice as conditions shifted. “A […]

https://financialpost.com/news/mortgage-borrowers-waiting-lower-rates-paying-price “Over the past few months, I’ve seen clients turn down fixed-rate renewal offers around 3.7 per cent because they were convinced rates would keep falling,” said Leah Zlatkin, a mortgage broker. “Now those same borrowers are coming back and finding that the best available rates start with a four. That delay is already resulting […]

https://www.mpamag.com/ca/specialty/broker-insights/waiting-for-lower-mortgage-rates-is-costing-borrowers-broker-warns/561033 “Over the past few months, I’ve seen clients turn down fixed-rate renewal offers around 3.7% because they were convinced rates would keep falling,” said Leah Zlatkin, licensed mortgage broker. “Now those same borrowers are coming back and finding that the best available rates start with a four. That delay is already resulting in higher […]

https://www.mpamag.com/ca/mortgage-industry/industry-trends/gta-homeowners-eye-year-end-refinancing-surge/560243 In the Greater Toronto Area (GTA), licensed mortgage broker, Leah Zlatkin said refinancing has been a big recent trend in the mortgage market as homeowners look to the year ahead. Plenty of those owners, Zlatkin said, are “reflective” as 2026 looms. “They are looking at their credit‑card balances before the holidays, thinking about what […]

https://www.mpamag.com/ca/mortgage-industry/market-updates/mortgage-industry-economist-reaction-pours-in-as-boc-reveals-latest-decision/559669 “Affordability stays exactly where it is with today’s hold, and that consistency is meaningful for buyers,” said Leah Zlatkin, licensed mortgage broker. “Many who’ve been waiting for clearer direction see a hold as confirmation that we’re at the bottom of the rate cycle. That sense of predictability often encourages buyers to act before spring […]

https://www.thestar.com/business/personal-finance/mortgage-rates-are-coming-down-should-you-break-your-mortgage-to-reduce-your-payments/article_68c7b0ef-2674-4359-9412-b9b9ccba5ee7.html If you renewed your fixed-rate mortgage in 2022 or 2023 you may be regretting it now. Fixed rates have been falling since October 2023, with five-year rates dropping as low as 3.79 per cent as of the end of November, according to Ratehub. There is a way out: Even if you’re locked in, you […]

https://www.theglobeandmail.com/real-estate/toronto/article-toronto-home-sellers-high-inventory-low-prices/ Mortgage broker Leah Zlatkin says rates for a five-year fixed-term mortgage have fallen below 4 per cent in recent weeks. Still, first-time buyers remain very cautious and tend to plan for every cost, Ms. Zlatkin says. She adds that people who have the financial security to buy can often find a good deal by […]