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Hello, I'm Tanya, thanks for visiting my website. My team and I are dedicated to helping you find the best mortgage financing solutions to meet your specific needs.
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With over 20 years’ experience in residential and commercial financing and access to over 50 different lenders as a Xeva Mortgage Broker, you can put my experience to work for you knowing that I have assisted countless people just like you. We'll start by assessing your immediate and long-term financial needs, then I will suggest mortgage products that help meet your needs. From there, my team and I will bring everything together for you.
I believe that maintaining strong client relationships is the key to success in business. So please know that even after your mortgage transaction is complete, I'm committed to providing ongoing support, answering any questions you may have for as long as you need a mortgage.
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This is one of the most common questions mortgage brokers hear from homeowners and homebuyers. The honest answer is that there’s no one-size-fits-all solution. A “good” investment depends entirely on your personal objectives, financial situation, risk tolerance and long-term plans. Understanding your goal first is the most important step before purchasing any property. Following are some considerations I make when determining what a good investment can look like for my clients, depending on their specific property goals. Buying a home to live in If you’re buying a property as your primary residence, it’s best not to view it strictly as an investment. Your personal home is first and foremost a lifestyle decision. Factors such as location, commute, schools and community often outweigh short-term financial returns. While homeownership can build equity over time, comparing buying versus renting should focus on affordability, stability and flexibility rather than projected appreciation alone. Properties with a mortgage helper Some homeowners look for properties with a secondary suite or rental unit to offset their monthly costs. A mortgage helper can significantly reduce your financial burden and improve cashflow. But it’s critical to understand zoning, rental regulations and – most important – tax implications. Rental income is taxable and expenses must be properly documented. Speaking with a tax professional before purchasing can help you avoid surprises. Cash-flowing investment properties For those focused on income generation, a cash-flowing property may be the goal. These typically require a larger down payment and are often found in smaller urban centres where purchase prices are lower and rental demand is strong. Some investors also explore inter-provincial opportunities. While this can be lucrative, it adds layers of complexity related to property management, financing rules and provincial tax differences. Leveraging existing equity Another option is leveraging the equity in your existing property to invest in real estate investment trusts (REITs). This approach provides exposure to real estate without the responsibilities of being a landlord. REITs can offer diversification and liquidity, but they also come with their own risks and tax considerations. This strategy should always be discussed with a qualified financial advisor. Plan ahead and seek expert advice Tax rules continue to evolve and real estate markets are constantly changing. What worked a few years ago may not be optimal today. Before making any real estate investment decisions, speak with a mortgage broker, tax accountant, financial planner and realtor early in the process. Careful planning and professional guidance can make the difference between a smart investment and an expensive lesson. Wondering what a good real estate investment looks like for you? I’m here to help you navigate your options as well as refer other trusted professionals along the way. 604-788-8693 | tanya@tanyatoye.ca
Bank of Canada maintains policy rate at 2¼%. FOR IMMEDIATE RELEASE Media Relations Ottawa, Ontario January 28, 2026 The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The outlook for the global and Canadian economies is little changed relative to the projection in the October Monetary Policy Report (MPR). However, the outlook is vulnerable to unpredictable US trade policies and geopolitical risks. Economic growth in the United States continues to outpace expectations and is projected to remain solid, driven by AI-related investment and consumer spending. Tariffs are pushing up US inflation, although their effect is expected to fade gradually later this year. In the euro area, growth has been supported by activity in service sectors and will get additional support from fiscal policy. China’s GDP growth is expected to slow gradually, as weakening domestic demand offsets strength in exports. Overall, the Bank expects global growth to average about 3% over the projection horizon. Global financial conditions have remained accommodative overall. Recent weakness in the US dollar has pushed the Canadian dollar above 72 cents, roughly where it had been since the October MPR. Oil prices have been fluctuating in response to geopolitical events and, going forward, are assumed to be slightly below the levels in the October report. US trade restrictions and uncertainty continue to disrupt growth in Canada. After a strong third quarter, GDP growth in the fourth quarter likely stalled. Exports continue to be buffeted by US tariffs, while domestic demand appears to be picking up. Employment has risen in recent months. Still, the unemployment rate remains elevated at 6.8% and relatively few businesses say they plan to hire more workers. Economic growth is projected to be modest in the near term as population growth slows and Canada adjusts to US protectionism. In the projection, consumer spending holds up and business investment strengthens gradually, with fiscal policy providing some support. The Bank projects growth of 1.1% in 2026 and 1.5% in 2027, broadly in line with the October projection. A key source of uncertainty is the upcoming review of the Canada-US-Mexico Agreement. CPI inflation picked up in December to 2.4%, boosted by base-year effects linked to last winter’s GST/HST holiday. Excluding the effect of changes in taxes, inflation has been slowing since September. The Bank’s preferred measures of core inflation have eased from 3% in October to around 2½% in December. Inflation was 2.1% in 2025 and the Bank expects inflation to stay close to the 2% target over the projection period, with trade-related cost pressures offset by excess supply. Monetary policy is focused on keeping inflation close to the 2% target while helping the economy through this period of structural adjustment. Governing Council judges the current policy rate remains appropriate, conditional on the economy evolving broadly in line with the outlook we published today. However, uncertainty is heightened and we are monitoring risks closely. If the outlook changes, we are prepared to respond. The Bank is committed to ensuring that Canadians continue to have confidence in price stability through this period of global upheaval. Information note The next scheduled date for announcing the overnight rate target is March 18, 2026. The Bank’s next MPR will be released on April 29, 2026. Read the January 28th, 2026 Monetary Report
If you're a homeowner juggling multiple debts, you're not alone. Credit cards, car loans, lines of credit—it can feel like you’re paying out in every direction with no end in sight. But what if there was a smarter way to handle it? Good news: there is. And it starts with your home. Use the Equity You’ve Built to Lighten the Load Every mortgage payment you make, every bit your home appreciates—you're building equity. And that equity can be a powerful financial tool. Instead of letting high-interest debts drain your income, you can leverage your home’s equity to combine and simplify what you owe into one manageable, lower-interest payment. What Does That Look Like? This strategy is called debt consolidation , and there are a few ways to do it: Refinance your existing mortgage Access a Home Equity Line of Credit (HELOC) Take out a second mortgage Each option has its own pros and cons, and the right one depends on your situation. That’s where I come in—we’ll look at the numbers together and choose the best path forward. What Can You Consolidate? You can roll most types of consumer debt into your mortgage, including: Credit cards Personal loans Payday loans Car loans Unsecured lines of credit Student loans These types of debts often come with sky-high interest rates. When you consolidate them into a mortgage—secured by your home—you can typically access much lower rates, freeing up cash flow and reducing financial stress. Why This Works Debt consolidation through your mortgage offers: Lower interest rates (often significantly lower than credit cards or payday loans) One simple monthly payment Potential for faster repayment Improved cash flow And if your mortgage allows prepayment privileges—like lump-sum payments or increased monthly payments—those features can help you pay everything off even faster. Smart Strategy, Not Just a Quick Fix This isn’t just about lowering your monthly bills (although that’s a major perk). It’s about restructuring your finances in a way that’s sustainable, efficient, and empowering. Instead of feeling like you're constantly catching up, you can create a plan to move forward with confidence—and even start saving again. Here’s What the Process Looks Like: Review your current debts and cash flow Assess how much equity you’ve built in your home Explore consolidation options that fit your goals Create a personalized plan to streamline your payments and reduce overall costs Ready to Regain Control? If your debts are holding you back and you're ready to use the equity you've worked hard to build, let's talk. There’s no pressure—just a practical conversation about your options and how to move toward a more flexible, debt-free future. Reach out today. I’m here to help you make the most of what you already have.
