The Mortgage Excellence Blog

New tariffs have sent shockwaves through the economy—and Canada, accounting for only 1% of the issues at stake, still faces a major impact. But here’s a silver lining: bond yields are down, meaning mortgage rates could follow suit. Explore how this roller-coaster ride might actually help homebuyers.

Bringing people together from across Canada—our Annual General Meeting is no ordinary meetup. Dive in to see how DLCME blends big recognition, bigger fun, and an all-out celebration of our team’s achievements—topped off by being named a Top 6 brokerage in the country.

Did you know you can still put as little as 5% down—even if you already own a home? In Canada, the 5% down payment rule isn’t just for first-time buyers. As long as your new property is owner-occupied (by you or a family member), you may qualify for minimal down, plus mortgage insurance through CMHC, Sagen, or Canada Guaranty. Curious…

With interest rates shifting from the 6%–6.5% range down to the low–mid 4% range, homeowners now have a unique chance to refinance and save. In this post, we explore why breaking your current mortgage might be a smart move—despite any penalties—and how locking in a lower rate can boost your cash flow, speed up equity growth, and ultimately strengthen your…

New U.S. trade policies are stirring up plenty of questions for Canada’s economy. In this blog, we explore what these potential tariffs could mean for key industries and the housing market, and why there’s still room for cautious optimism.

From interest rates doing the cha-cha to the wild ride of property values, navigating uncertainty doesn’t have to feel like you’re dancing in the dark. In our latest blog, discover how to keep your finances steady, boost your cash flow, and stay cool under market pressure—no superpowers required.

Think your mortgage payment doubles when rates do? Not so fast. In our new blog, we explore why amortization is your secret weapon, key mortgage trends for 2025, and how a few smart strategies can keep your monthly costs under control

2025 is gearing up to be a record year for renewals and refinances—with over 1.2 million mortgages set to roll over. From ramping up your response time to keeping clients optimistic amid the market’s ups and downs, find out how you can turn this year’s challenges into your biggest wins yet.

What a year 2024 was—rate peaks, declines, and finally a sigh of relief for borrowers as Prime dipped! As we close the chapter on this rollercoaster year, it’s time to reflect, reset, and gear up for a record-breaking 2025. From celebrating wins and learning from misses, to setting bold, audacious goals, we’re ready to help more families than ever before.…