Hey Everyone,

Summer 2026 is coming fast. The question isn’t “What will rates do?” anymore, it’s “What will you do with the stability we now have?”

The Bank of Canada has made its position clear: rates are in a holding pattern and, barring a major surprise, we’re likely near the floor for this cycle, not the ceiling. Stable rates mean the goalposts have stopped moving. You finally have room to plan instead of react.

So if this is the year you want summer to look and feel different, the conversation shifts from “if” to “how.”

What Does a Great Summer 2026 Look Like for You?

When you’re not worrying about “Will rates jump before I’m ready?” you can start asking better questions:

What do I want my day-to-day life to look like this summer?
Does my current mortgage and home support that, or working against it?
If money were structured a bit better, what would I actually do with that breathing room?

From there, you’ve got a few clear paths.

1. Refinance to Make Summer Amazing

Maybe your mortgage has been on autopilot while other costs, groceries, kids’ activities, travel, have crept up. Stable rates give you an opportunity to step back and reshape things.

Refinancing could let you:

Consolidate high-interest debt (credit cards, lines of credit) into your mortgage at a much lower rate.
Free up monthly cash flow so summer doesn’t feel like a financial squeeze.
Set a fixed payment you can actually live with for the next few years, instead of living “at the edge” every month.

It’s not about refinancing “because everyone else is doing it.” It’s about asking: if your monthly payments were a bit lower or more predictable, what would you actually do with that extra room?

More experiences with your kids? A long-postponed trip? Breathing space so you’re not checking your banking app every second day?

2. Refinance to Pick Up a Rental Property

If you’ve been thinking about an investment property, this is one of the rare moments where you have:

A clearer idea of where rates are likely to sit in the near term.
A market that’s still offering opportunities before competition fully heats back up.

Refinancing your current home to pull out equity might:

Help with a down payment on a rental.
Allow you to structure your borrowing so that the new property has a chance to be cash-flow neutral or better over time.
Move you from “I should really get into real estate investing someday” to “I own something that’s working for me while I sleep.”

Is it for everyone? No. It comes with responsibility and risk. But if you’ve got decent equity, stable employment, and a long-term mindset, this summer could be when you finally turn that idea into a plan.

3. Sell and Move Into Something That Fits Your Goals

Sometimes the biggest lever isn’t your rate, it’s your fit.

Ask yourself:

Does this home still match my life? Or did it make sense three moves, two kids, or one career change ago?
Am I staying here because it’s right, or because changing feels overwhelming?

Stable rates remove one of the biggest unknowns from the equation. That means you can look at:

Downsizing to free up equity and reduce monthly costs.
Upsizing into a place that actually works for your family (or your work-from-home reality).
Changing neighbourhoods, cities, or property types to better align with where you see yourself in the next 5–10 years.

You’re not trying to “time the absolute bottom” anymore. You’re using a predictable backdrop to make a life decision that won’t be instantly undone by a surprise rate move.

Put another way, Stability = Permission to Act

For the past couple of years, the background noise has been loud:

“Should I wait for one more cut?”
“What if rates spike again?”
“What if the market swings right after I commit?”

Now, with rates holding steady, you’ve got something rare: permission to act without constantly second-guessing the timing. The bigger questions are personal, not macro:

Do you want more cash flow, or more equity growth?
Do you want less stress, or more opportunity?
Do you want to stay and optimize, or move and reset?

Summer 2026 is coming either way. Life will keep moving and plans will be made…

What do you want this summer to look like, and which move (refinance, invest, or relocate) would actually get you closer to that picture?

Reply to this email and tell me where you are. Let's talk about which path makes sense for you, and whether this window is the right one to move through.

Reply to enter for a $50 local gift card. Winners drawn February 15, 2026.

-Andrew

Text me, right now! 250-919-5474

I don’t say this on a whim, I’m serious, if you text me now, I can show you exactly where you stand within a few hours. No stress, no pressure, no obligation.

Just a simple text that can put you at ease.