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Guaranti Briefing — insights

Articles from Guaranti Group on guaranti briefing — written for families in Greater Vancouver.

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Guaranti Briefing2026-10-13Canadian Housing Cools and Hiring Slows: How Can Families Prepare?Changes in housing and employment can affect a family’s home-buying plans, mortgage renewal and monthly cash flow. Rather than guessing the next market turn, review borrowing costs, cash reserves and the risks your household can absorb.Read Guaranti Briefing2026-10-06Where Is Capital Heading in the AI Era?As capital turns toward AI, energy and infrastructure, household wealth planning needs a wider lens than home prices alone.Read Guaranti Briefing2026-09-29Rates Are Down. Why Does Mortgage Pressure Remain?Lower rates do not instantly restore household cash flow. Renewals of previously low-rate mortgages, housing costs, everyday expenses and other debts can all keep budgets tight.Read Guaranti Briefing2026-09-22Rates Fell—So Why Is Household Cash Flow Still Under Pressure?Mortgage renewals, housing costs, daily expenses and other debts all affect how much cash a household retains each month. This Guaranti News video explains why mortgage planning should consider cash flow and risk buffers, not rates alone.Read Guaranti Briefing2026-09-15The Bank of Canada Sets Short-Term Rates—but Fixed Mortgages Follow the Bond MarketA Bank of Canada hold does not necessarily mean fixed mortgage rates will remain unchanged. Variable mortgages primarily follow the policy rate, while fixed mortgages are influenced more by bond yields, U.S. inflation and global rate expectations.Read Guaranti Briefing2026-09-08Canadians still feel secure at work—but expect less from home pricesCanadians remain relatively confident about their jobs, yet expectations for home prices and the economy are weakening. This “income without optimism” backdrop is a reminder to review cash flow, mortgage costs, reserves and future borrowing capacity together.Read Guaranti Briefing2026-09-01A September 2 Rate Cut Looks Unlikely — The Real Risk Is Still WaitingMarkets broadly expect the Bank of Canada to hold on September 2. For households, the more useful question is whether cash flow can withstand rates staying higher for longer.Read Guaranti Briefing2026-08-25Why Are Fixed Rates Rising Before the Central Bank Acts?Fixed mortgage rates do not move on the policy rate alone; bond yields and market expectations can move them first.Read Guaranti Briefing2026-07-21CREA cuts its forecast: a slower recovery, not a continued slideThe recovery is running slower than expected — but the monthly numbers point to a cautious recovery rather than a continued fall.Read Guaranti Briefing2026-07-14Buy now, or wait a while longer?What matters is not calling the bottom — it is whether you are actually ready.Read Guaranti Briefing2026-06-30Buying a first home as a newcomer is getting harder — and where the room to plan isStatistics Canada data shows newcomers carrying more financial strain to buy. The lead time you give yourself is the variable you control.Read Guaranti Briefing2026-05-19Headline inflation rose, core cooled — how should the Bank of Canada read that?April CPI came in above March, but the increase was driven almost entirely by gasoline. The core measures kept falling.Read

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