While the pace of policy changes slowed in 2025 compared to 2024, there were still a few meaningful updates. Notably, new GST exemptions were introduced for First Time Home Buyers purchasing newly built homes up to $1M, with partial GST relief extending to $1.5M. We also saw continued real-world use of 30-year amortizations for insured First Time Home Buyers. As always, changes move quickly, and we’ll continue to share updates as they come.

While we've received such positive feedback on our Property Listing Tips newsletter, we've decided to retire it after a successful two year run. Next year we're going to focus our monthly newsletters on a broader range of topics that cover the most frequently asked questions from our partners. From financing strategies and programs, to lender considerations and income calculations, you won't want to miss these industry insights. Click below to ensure you're signed up for our partner newsletters.

We’ve continued to love using our Canadian Mortgage App this year. Not only are the tools helpful for clients to explore on their own, but it has significantly upgraded how information is presented. No more cluttered text heavy emails! Interest rate comparisons, penalty calculations and more can be curated in one clear, easy-to-read document. We encourage you to leverage this tool with your clients, whether they’re buying, refinancing, or simply estimating costs.

With interest rates stabilizing and home prices showing signs of leveling out, 2026 is shaping up to be an active year. Many clients who secured historically low rates in 2021 will be approaching renewal, making early planning and expectation-setting essential. We expect an increase in strategic conversations around renewals, refinances, and longer-term planning. For buyers, preparation remains key. Having income documents reviewed early and financing letters ready will continue to be a major advantage.