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Helpful Links

Information to assist you with your mortgage or home buying process 

Education

Banks vs. Mortgage Brokers…What’s the Difference?

The Best Deal is Not Always the Lowest Rate

First Time Home Buyer

Mortgage Penalties explained

Pre-Qualified vs. Pre-Approved

Qualifying Rate, What is it and how does it affect me?

TOP 10 Reasons to use a Mortgage Broker

Understanding Your Credit Report and Credit Score

Information

Land Transfer Tax

Land Transfer Tax Refund for First Time Home Buyers

Land Transfer Tax Calculator

First Time Home Buyer’s Tax Credit

RRSP Home Buyers’ Plan

First Home Savings Account (FHSA)

Divorce and Separation in Ontario

Correct a Mistake on my Equifax Credit Bureau

Mortgage Calculator

The links on this page are suggested contact and information sites to assist you with your mortgage or home buying process. mortgagesbycraig.com or RMA does not guarantee the accuracy of their information or programs.
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If you’ve been hearing a lot of noise about the mortgage market lately, you’re not alone.Headlines tend to focus on what’s alarming — but the reality is far more balanced. Today’s mortgage environment isn’t nearly as bad as it’s often portrayed, and when you zoom out, rates are still roughly 1% lower than the 25-year historical average.That perspective matters.We’re no longer in a rushed, emotional market. We’re in a steadier one — where thoughtful decisions, clear conversations, and long-term planning make the biggest difference.Sometimes the smartest move is tuning out the noise and focusing on the facts.If you’re curious how today’s market applies to your situation, I’m always happy to have a straightforward conversation. ... See MoreSee Less

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mortgagesbycraig.com

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mortgagesbycraig.com

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For the second announcement in a row, no changes with the BOC. ... See MoreSee Less

The Bank of Canada today said that they would be maintaining the overnight rate. Prime will remain at 4.45%. | mortgagesbycraig.com

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The Bank of Canada today said that they would be maintaining the overnight rate. Prime will remain at 4.45%. January 28, 2026 / Newsworthy At the first announcement of 2026 and the second in a row, th...
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