Most rate-cut headlines miss the point. Toronto Star asked me what changes for actual borrowers, and the honest answer is: not as much as people hope. The bigger savings live in product structure — prepayment privileges, portability, refinance penalties. I walk every client through those before we lock anything in.
How the Bank of Canada's interest rate cut will impact your mortgage and Toronto's housing market
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Press explains the news. I help you turn it into the right decision for your situation.