https://torontosun.com/life/homes/canadians-aged-55-need-to-be-prepared-as-mortgage-options-narrow If you are in the 55+ age category, changes in income, higher living costs, and stricter qualification rules can seriously narrow your financing flexibility. “Many homeowners approaching retirement assume they’ll be able to refinance the way they always have, but that’s becoming much harder,” says Leah Zlatkin, mortgage expert. “Even with substantial home equity, […]

Mortgage brokers share options for homeowners facing a mortgage non-renewal Leah Zlatkin, licensed mortgage broker, said lenders often reach out months ahead of the renewal date. “If you are somebody who has had trouble making your payments on time … and they see that there’s a pattern of missed payments on credit cards or negative […]

https://www.thestar.com/real-estate/variable-rate-mortgages-rising-in-popularity-as-global-turmoil-pushes-up-fixed-rates/article_21ed1287-c29c-4684-ad0f-e317536dd91a.html For borrowers deciding between fixed and variable rates, it’s important to note that five-year bond yields have been volatile in recent weeks, said Leah Zlatkin, licensed mortgage broker. “That movement has led to increases in some fixed mortgage rates as lenders adjust pricing in response.”

https://www.mpamag.com/ca/mortgage-industry/industry-trends/refinancing-at-renewal-time-presents-unexpected-challenges-for-scores-of-canadian-borrowers/563962 Licensed mortgage broker Leah Zlatkin said more clients arrive at renewal expecting to tap home equity, only to find that shifting home values, tighter borrowing limits and higher consumer debt erode their options. That surprise often surface late in the process, when there is little time left to pivot.“This is something I’m seeing come […]

https://www.mpamag.com/ca/mortgage-industry/industry-trends/reactions-flood-in-as-boc-announces-latest-rate-call/563481 Licensed mortgage broker Leah Zlatkin said the pause left affordability “essentially unchanged” but gave borrowers clearer sightlines. “Affordability stays essentially unchanged with today’s hold, and that stability is important for buyers who have been waiting for clearer signals,” Zlatkin said. “Rates are expected to remain relatively steady in the near term, which gives buyers […]

https://ca.finance.yahoo.com/news/rate-cuts-may-be-done-now-its-about-the-right-mortgage-game-plan-134214301.html?guccounter=1&guce_referrer=aHR0cHM6Ly9hcHAubWVsdHdhdGVyLmNvbS8&guce_referrer_sig=AQAAANAFFfZjJmOSMZ_MudqwFr9s5su9yz3IGg-z26sf1DfI9luBOE8Lk0TRoQncHq2SnGssKkElRp7GKqUmXjZnycF_tkGhtCza-mb6zcopE7dcel3BJVYW6ddOuL3CUccTW0tCNgBzH66Jwye_d0vJL21cxIxVruIM0uRUbv4BxBm- “We’ve moved into a much more normalized rate environment,” said Leah Zlatkin, a mortgage broker at Mortgage Outlet. “There’s no clear signal that rates are heading materially lower, and in some cases, we’re already seeing lenders adjust pricing upwards. That makes it important for borrowers to focus on what’s available now rather than wait […]

https://www.mpamag.com/ca/specialty/broker-insights/canadians-face-pivotal-mortgage-choices-as-rate-cycle-flattens/561459 Analysts expect the Bank of Canada’s overnight rate to hover around 2.25% into 2026, signalling that the bulk of easing is likely behind the market even as inflation stayed close to target. “​We’ve moved into a much more normalized rate environment,” Leah Zlatkin, licensed mortgage broker, said. “There’s no clear signal that rates are heading […]

https://www.mpamag.com/ca/mortgage-industry/market-updates/only-half-of-gta-homes-listed-in-2025-find-buyers/561299 “A more buyer‑friendly market was emerging in Toronto amid plummeting home sales, slipping prices and a flood of inventory – but first‑time buyers were still navigating plenty of uncertainty and making big mistakes to be avoided in the current environment,” licensed broker, Leah Zlatkin said. Zlatkin stressed the role of advice as conditions shifted. “A […]

https://financialpost.com/news/mortgage-borrowers-waiting-lower-rates-paying-price “Over the past few months, I’ve seen clients turn down fixed-rate renewal offers around 3.7 per cent because they were convinced rates would keep falling,” said Leah Zlatkin, a mortgage broker. “Now those same borrowers are coming back and finding that the best available rates start with a four. That delay is already resulting […]

https://www.mpamag.com/ca/specialty/broker-insights/waiting-for-lower-mortgage-rates-is-costing-borrowers-broker-warns/561033 “Over the past few months, I’ve seen clients turn down fixed-rate renewal offers around 3.7% because they were convinced rates would keep falling,” said Leah Zlatkin, licensed mortgage broker. “Now those same borrowers are coming back and finding that the best available rates start with a four. That delay is already resulting in higher […]