Dave Destefano | Professional Mortgage Broker

Dave Destefano || April 20, 2026

Fixed vs. Variable Mortgage in 2026: How to Decide What's Right for You

It's the question I get asked more than any other right now: should I go fixed or variable?And I get why. The gap between the two is real. As of late April 2026, the best 5-year fixed rate available...

Dave Destefano || April 13, 2026

The 2026 Mortgage Renewal Wave: What Niagara Homeowners Need to Know

For many homeowners across Niagara, 2026 will be an important year to revisit their mortgage. A large share of Canadian mortgages are set to renew in 2026, and many of those were originally locked in...

Dave Destefano || February 18, 2026

Home sales slump to start 2026 as correction deepens

Canada's housing market began the year on a soft note, with home sales falling 5.8% from December, according to the Canadian Real Estate Association (CREA). Compared to January 2025, sales were down...

Dave Destefano || January 28, 2026

Rates on hold as the Bank of Canada waits for clearer economic signals

The Bank of Canada held its key policy rate at 2.25% today, a decision that came as no surprise to markets and economists. More importantly, the Bank signalled that it isn’t in a rush to move...