Staff Writer · Politics & Policy
Riley Brady is a multimedia journalist covering Canadian politics and international affairs, with a focus on how policy decisions reach the mortgage market. He holds a Master of Journalism from UBC (2026) and received the Vancouver Sun David Baines Scholarship for business writing and the RTDNA Friends of Canadian Media Scholarship.
Categories
Corrections or tips for Riley Brady?
editorial@financecanada.ca · We respond to corrections first.
The Bank of Canada (BoC) has held its overnight interest rate at 2.25% seven consecutive times as of September 2, 2026. Variable rates have barely budged at all. On the other hand, fixed mortgage rates have been quietly climbing; the reason has nothing to do with the BoC.
Title insurance protects you from problems with a home’s ownership history, like fraud, unpaid liens and public record errors. Here’s what it covers, what it costs, and whether you need it.
Most lenders want a credit score of at least 680 for the best mortgage rates. If you are not there yet, here is what is actually affecting your score and what you can do about it in the next six to twelve months.
A mortgage broker has access to multiple lenders. A bank specialist has one. Here is what that difference actually means, what to ask before you sign anything, and what red flags to watch for.
What you earn is only part of the picture. Lenders use debt ratios, the stress test, and your full financial profile to determine what you can actually borrow. Here is how it works.
Closing costs in Canada typically run 1.5% to 4% of the purchase price, on top of your down payment. Here is what is included, what first-time buyers can get back, and how to budget for closing day.
Buying a second home in Canada means losing access to first-time buyer tools and passing the stress test again at your new rate. Here is what changes and what to do before you list or make an offer.
Co-signing a mortgage means your parents take on equal legal and financial responsibility, not just a formality. Here is what it means for everyone involved.