Earl Smith, Your Halifax Mortgage Broker

Earl Smith || October 24, 2024

Bank of Canada's fourth consecutive rate cut brings more relief to borrowers

The Bank of Canada delivered a 50-basis-point (bps) rate cut on Wednesday, bringing its policy rate to 3.75%, its lowest level in two years. This marks the fourth straight...

Earl Smith || October 16, 2024

What happens if you miss a mortgage payment?

Missing a mortgage payment can be a stressful experience, but it's important to know what to expect if it happens and what options are available to prevent long-term...

Earl Smith || October 11, 2024

Federal program introduces easier refinancing for homeowners adding rental suite

The federal government announced a new mortgage refinancing program designed to help homeowners add secondary suites—such as basement apartments or garage conversions. The...

Earl Smith || September 26, 2024

Big week for mortgage rules: Feds announce key reforms

It’s been a big week for mortgage news, with both the federal government and OSFI rolling out important updates. The government has shared more details on its mortgage reforms, like...