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

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...

Cindy MacFarland || November 07, 2025

Did October’s jobs report just put Bank of Canada rate cuts on hold?

Canada’s job market picked up again in October, adding 67,000 jobs (+0.3%) and pushing the unemployment rate down to 6.9%. It marked the second straight monthly increase, reversing...