Mortgage Broker Saint John NB: The Mortgage Group - Cindy MacFarland

Cindy MacFarland || January 16, 2026

Canada closes 2025 with balanced market conditions as December sales soften

Canada’s housing market lost some steam in December, closing out 2025 on a quieter note. Home sales fell 2.7% from November, according to the Canadian Real Estate Association (CREA). Compared to...

Cindy MacFarland || January 06, 2026

Using Bonuses, Inheritances, and Gifted Funds for Your Down Payment

Many homebuyers believe their down payment must come entirely from years of personal savings. In reality, mortgage guidelines allow more flexibility than most people expect. Bonuses from work,...

Cindy MacFarland || December 12, 2025

The Bank of Canada hit pause. Is this as low as rates will go?

The Bank of Canada held its policy rate at 2.25% this week, a decision most had already been expecting. After four cuts over the past year, the question now isn’t what just happened, but what comes...

Cindy MacFarland || December 03, 2025

Budget 2025. Key changes homeowners and buyers should know

Budget updates can shift the outlook for anyone planning to buy, renovate, or refinance, and 2025 is no exception. Several programs have wrapped up, a few new measures were introduced, and some...