Clara Desai
Real Estate News Analyst at Mortgage.Expert
Hi, I’m Clara — I write about mortgage rates, housing news, and what’s really changing for homebuyers across Canada. My goal is simple: cut through the noise and explain things clearly, especially for first-time buyers or anyone feeling stuck.
I track Bank of Canada updates, lender rate changes, and mortgage trends so you don’t have to. If something shifts, I’ll break it down — no jargon, no sales pitch.
You can reach me anytime at clara@mortgage.expert.
The Ultimate Guide to Mortgage Terms Every First-Time Homebuyer in Canada Should Know
Feeling lost in a sea of mortgage terms like LTV, amortization, or trigger rate? This simple, no-fluff guide breaks down the most important mortgage language every Canadian first-time buyer should know — with real examples and plain English.
Trump Slaps Tariffs on Asia — What It Could Mean for Canadian Homebuyers
As Donald Trump escalates his tariff campaign against major Asian economies, Canadian homebuyers are getting nervous — and for good reason.New trade restrictions on imports from Japan, South Korea, Taiwan, and India could spark another wave of global inflation. And…
Is Another Cut Coming Soon? Markets Bet Cautiously Ahead of July 30 Decision
With inflation cooling and economic signals flashing mixed, economists say a July 30 rate cut by the Bank of Canada is possible — but far from guaranteed. Borrowers hoping for relief may need to watch the next few data points closely.
5-Year Fixed Mortgage Rates Could Fall to 4.2% by Year-End — Is It Time to Lock In?
Forecasts suggest that 5-year fixed mortgage rates in Canada could ease to around 4.2% by the end of 2025 — a potentially rare window for homebuyers and renewers to lock in lower costs after years of turbulence.
RBC Now Says BoC Rate Has Likely Bottomed — What It Means for Borrowers in 2025
As of July 10, 2025, the economic forecast from RBC just added a surprising twist to Canada’s rate outlook: no more rate cuts for the rest of the year.In its latest monthly rate commentary, RBC’s economists say they now believe…
Which Mortgage Rate Should You Lock In If Global Inflation Comes Roaring Back in 2025?
With global tariff threats heating up and bond markets reacting, many Canadians are asking a timely question:Should I lock in my mortgage rate now — and for how long? As former U.S. President Donald Trump proposes sweeping tariffs on Asia,…
Scotiabank Slashes Its 5-Year Fixed Mortgage Rate to 5.54% — Should Homebuyers Lock In Now?
Scotiabank has lowered its 5-year fixed mortgage rate to 5.54% — one of the best offers from a major bank this July. Should you lock in now or wait for more drops?
Inflation Flat in June — But Experts Say Mortgage Rate Cuts Still Not Guaranteed
Canada’s inflation held steady at 1.7% in June 2025, but mortgage rate cuts aren’t guaranteed yet. Experts urge borrowers to stay cautious as the Bank of Canada watches broader economic signals.
Canada’s 5-Year Bond Yield Drops Below 3.80% — Will Fixed Mortgage Rates Follow?
Canada’s 5-year bond yield has dipped below 3.80% for the first time in months, raising hopes that fixed mortgage rates may finally ease. Here’s what borrowers need to know in July 2025.
Global Tariffs, Local Impact — What Canadian Mortgage Borrowers Need to Watch in 2025
As global trade tensions ramp up — with the U.S. introducing sweeping tariffs on key Asian exporters — Canadian borrowers need to start asking:Will this affect my mortgage, home purchase, or renovation plans? The short answer: very likely.While Canada may…
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