Matheson Mortgages

Matheson Mortgages Mortgage Solutions, Home Purchases, Mortgage Switches, Re-Finances, Debt Consolidation

The Bank of Canada didn’t raise rates. So why did your line of credit payment just go up? 👀Your unsecured line of credit...
09/03/2026

The Bank of Canada didn’t raise rates. So why did your line of credit payment just go up? 👀

Your unsecured line of credit isn’t tied to prime the same way your mortgage is. Lenders can — and do — quietly increase margins on unsecured products anytime they want. No announcement. No headlines. Just a higher payment.

If you’re carrying unsecured debt and wondering why it’s not getting cheaper — there’s a reason. Full breakdown dropping tomorrow. 🎥

MathesonMortgages

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I need to post significantly more videos.
08/25/2026

I need to post significantly more videos.

U.S. inflation just came in hotter than expected.Headline CPI hit 3.8% year-over-year — the hottest read since May 2023....
05/12/2026

U.S. inflation just came in hotter than expected.

Headline CPI hit 3.8% year-over-year — the hottest read since May 2023. Core overshot estimates. Energy costs are bleeding into the measures central bankers actually lose sleep over.

Here’s why this matters if you have a mortgage in Canada:

The correlation between U.S. and Canadian CPI sits at 0.96. When inflation runs hot south of the border, it shows up here. Canadian data drops next Tuesday and it’s unlikely to be a pleasant surprise.

The bond market is already responding. Canada’s 5-year yield is up and if core inflation keeps climbing toward the 3.5% range, we could be looking at rate levels most borrowers haven’t had to think about since 2023.

The takeaway isn’t doom — it’s clarity.

Waiting for the perfect rate environment isn’t a strategy right now. Understanding your options, structuring your file properly, and knowing when fixed-rate protection makes sense.

Stats Canada just confirmed what most Millennials already know.Homeownership rates for their generation sit at 49.9% — d...
05/12/2026

Stats Canada just confirmed what most Millennials already know.

Homeownership rates for their generation sit at 49.9% — down from 55.9% for Boomers at the same age. Entry-level homes are up over 200% while incomes grew 76%.

The math is harder. That’s just true.

But here’s the part that doesn’t get talked about:

Millennials who are married with kids are buying homes at nearly the same rate as Boomers did in 1991.

The desire hasn’t changed. The preparation required has.

The ones getting into the market aren’t waiting for rates to drop or prices to correct. They’re getting serious about how their file looks — income structure, debt positioning, down payment sourcing — before they ever talk to a lender.

That’s the work that actually moves the needle. And it’s the conversation most brokers aren’t having.

Capital deployed with precision.

Oil crashed 12% this morning. Yields dropped. Fixed rates exhaled.But here’s the part nobody’s saying out loud:Iran’s le...
05/07/2026

Oil crashed 12% this morning. Yields dropped. Fixed rates exhaled.

But here’s the part nobody’s saying out loud:

Iran’s leadership is fractured, furious, and has zero incentive to negotiate in good faith. Occasional strikes on Hormuz shipping don’t need to be sustained to keep an oil premium baked into global markets.

Every product shipped, trucked, or flown is getting more expensive. If that bleeds into core inflation, the BoC doesn’t cut — it hikes.

The medium-term picture? Higher rates, or sideways. Not lower.

If you’re renewing soon and eyeing fixed rates in the low 4s — that window may be shorter than you think.

Save this. Share it with someone sitting on a renewal decision.

Ottawa just rebranded a deficit-funded borrowing program as a “sovereign wealth fund.”Real sovereign wealth funds are bu...
04/28/2026

Ottawa just rebranded a deficit-funded borrowing program as a “sovereign wealth fund.”

Real sovereign wealth funds are built from surpluses.

Norway has oil revenues. Abu Dhabi has reserves.

Canada has a deficit — and a very good PR team.

This is the fourth major public investment vehicle launched in a decade.

The Canada Infrastructure Bank. The Clean Growth Fund. The Indigenous Loan Guarantee Program.
All existed before this one. All underdelivered.
Now they’re wrapping the fifth in national pride and asking everyday Canadians to co-invest.
Before you put your savings next to the government’s borrowed money —
ask for a prospectus, not a flag.
As a CPA, I read the structure before I read the headline.
You should too.
Follow for market commentary that cuts through the noise.
…
housingmarket bankofcanada albertamortgage MathesonFinance realestatefinance

Debt is getting out of control but you may have options. Let’s go over them.
04/27/2026

Debt is getting out of control but you may have options. Let’s go over them.

Canada’s inflation came in at 2.4% in March — up from 1.8% in February.The big driver? Energy. Gasoline prices surged ov...
04/22/2026

Canada’s inflation came in at 2.4% in March — up from 1.8% in February.
The big driver? Energy. Gasoline prices surged over 21% in a single month. Groceries are up 4.4% year over year. Shelter costs are creeping higher too.
Here’s what that means for your mortgage:
The Bank of Canada is holding its rate at 2.25% — and with inflation still relatively contained (core came in around 2.3%), a rate hike before fall looks unlikely.
That’s actually a window.
If you’re sitting on high-interest debt while your home equity keeps building, now is the time to run the numbers on a refinance. The math might surprise you.

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