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A short, plain-English note on Bank of Canada moves, what they actually mean for your mortgage, and one strategic idea that might apply to your file.

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No marketing pitches. No rate-bait. Unsubscribe in one click. We send the newsletter on the first Friday of each month — usually around 400 words.

Recent issues

A look at what we cover.

How the latest BoC hold changes — and doesn't change — the math on variable mortgages this spring.

Three quiet penalty traps inside "no fee" bank renewals — and how to spot them before signing.

First-time buyer programs in BC for 2026: what stacks, what doesn't, and what to use the FHSA for.