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

Cindy MacFarland || February 03, 2026

Making Mortgage Decisions Without Chasing Headlines

It is hard to ignore how unsettled the news feels right now. Trade tensions, economic uncertainty, affordability pressures, and constant talk about interest rates have created a steady stream of...

Cindy MacFarland || January 28, 2026

Rates on hold as the Bank of Canada waits for clearer economic signals

The Bank of Canada held its key policy rate at 2.25% today, a decision that came as no surprise to markets and economists. More importantly, the Bank signalled that it isn’t in a rush to move...

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,...