Jason Henneberry is the Co-founder and COO of Tango Financial in British Columbia, an 8x founder and mortgage technologist who builds scaling systems for North American finance professionals.
On the morning of a Bank of Canada announcement, the pricing for a five-year fixed mortgage has usually already been set. The move happened earlier, in the Government of Canada five-year bond market, where yields change every trading day as investors adjust their view of inflation and growth.
A brokerage statement is only the front window. Behind it sit settlement records from CDS Clearing and Depository Services, transfer agent confirmations and the dealer's own internal books, and when an investor in British Columbia took Scotia Capital to court over Nvidia shares they believed had gone missing,
7 Moves That Keep First-Time Renewers From Overpaying in 2026 If your five-year fixed mortgage matures in 2026 and you haven't renewed before, you're looking at rates roughly double what you locked in. The lenders know this. Here's what actually reduces the
Rob Smith refinanced his first rental property in 2019 at 2.8%. His primary residence mortgage was sitting at 3.4%. Same borrower, same equity position, rates six-tenths apart. The spread didn't make sense until his accountant walked him through cash damming — a strategy that converts non-
The standard renewal pattern in Canada is five years. Lock in a rate, make payments, renew when the term ends. For borrowers who signed in 2020 or 2021 at rates between 1.5% and 2.2%, that renewal is happening now, and the new rate is somewhere between 4% and
The Canadian dollar stopped caring about oil prices somewhere around February. That's not a slow drift. It's a structural break. The rolling correlation between the loonie and West Texas Intermediate crude has turned negative in 2026, a sharp reversal from the tight positive relationship that held
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