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 […]

https://www.mpamag.com/ca/mortgage-industry/industry-trends/gta-homeowners-eye-year-end-refinancing-surge/560243 In the Greater Toronto Area (GTA), licensed mortgage broker, Leah Zlatkin said refinancing has been a big recent trend in the mortgage market as homeowners look to the year ahead. Plenty of those owners, Zlatkin said, are “reflective” as 2026 looms. “They are looking at their credit‑card balances before the holidays, thinking about what […]

https://www.mpamag.com/ca/mortgage-industry/market-updates/mortgage-industry-economist-reaction-pours-in-as-boc-reveals-latest-decision/559669 “Affordability stays exactly where it is with today’s hold, and that consistency is meaningful for buyers,” said Leah Zlatkin, licensed mortgage broker. “Many who’ve been waiting for clearer direction see a hold as confirmation that we’re at the bottom of the rate cycle. That sense of predictability often encourages buyers to act before spring […]

https://www.thestar.com/business/personal-finance/mortgage-rates-are-coming-down-should-you-break-your-mortgage-to-reduce-your-payments/article_68c7b0ef-2674-4359-9412-b9b9ccba5ee7.html If you renewed your fixed-rate mortgage in 2022 or 2023 you may be regretting it now. Fixed rates have been falling since October 2023, with five-year rates dropping as low as 3.79 per cent as of the end of November, according to Ratehub. There is a way out: Even if you’re locked in, you […]

https://www.theglobeandmail.com/real-estate/toronto/article-toronto-home-sellers-high-inventory-low-prices/ Mortgage broker Leah Zlatkin says rates for a five-year fixed-term mortgage have fallen below 4 per cent in recent weeks. Still, first-time buyers remain very cautious and tend to plan for every cost, Ms. Zlatkin says. She adds that people who have the financial security to buy can often find a good deal by […]

https://www.mpamag.com/ca/news/general/stricter-lending-standards-push-self-employed-borrowers-to-home-equity-options/556304 Mortgage broker Leah Zlatkin says showing reliable credit behavior can help offset perceived risks. Zlatkin, highlighted the differences between how salaried employees and self-employed borrowers report their income and how tax strategies can affect their application. “Self-employed Canadians often face dtricter requirements because their income can fluctuate from month to month,” she said. “Unlike salaried employees […]

https://www.msn.com/en-ca/money/topstories/boc-rate-decision-job-fears-u-s-trade-uncertainty-to-keep-lid-on-any-housing-market-recovery/ar-AA1Pgwgt Another 25-basis-point cut won’t make much of a financial difference for many, notes Leah Zlatkin, a licensed mortgage broker. “For every $100,000 borrowed, you’re going to lower your monthly payment by something like $13 to $15,” she said. “For somebody in a province where their mortgage is $200,000, that’s 30 bucks a month.” Rate […]