The Risk That Shows Up at Renewal Weeky Update

March 13, 2026

The Risk That Shows Up at Renewal

Most people don’t feel any risk when they take on a mortgage. The numbers work.…

Indira Delgado

How Fragile Is Your Mortgage? Weeky Update

March 5, 2026

How Fragile Is Your Mortgage?

One of the things I’ve noticed over the years working in lending is that two…

Indira Delgado

Are You Chasing Pennies? Weeky Update

February 27, 2026

Are You Chasing Pennies?

Last Friday at the office, we ordered poutine and gathered around the TV to watch…

Indira Delgado

Be Careful Who You’re Taking Advice From Right Now Weeky Update

February 23, 2026

Be Careful Who You’re Taking Advice From Right Now

After the last couple of weeks, I’ve had a version of this question come up…

Indira Delgado

Why Confidence Matters More Than Rates Weeky Update

February 12, 2026

Why Confidence Matters More Than Rates

Last week I attended a presentation by Ben Rabidoux from Edge Analytics. Thanks to Cody…

Indira Delgado

The Quiet Cost of Standing Still Weeky Update

February 5, 2026

The Quiet Cost of Standing Still

Most people I talk to right now aren’t confused. They’re cautious. They’re paying attention. They’re…

Indira Delgado

Why this rate pause matters more than it seems Weeky Update

January 29, 2026

Why this rate pause matters more than it seems

Yesterday, the Bank of Canada did exactly what most people expected. Nothing. No rate cut.…

Indira Delgado

What clarity really gives you Weeky Update

January 22, 2026

What clarity really gives you

Once a year — always the third Monday in January — a group of my buddies and…

Indira Delgado

What Clarity Usually Reveals Weeky Update

January 15, 2026

What Clarity Usually Reveals

I started 2025 with a 6 am walk every morning and was really consistent with it… right…

Indira Delgado

A good year starts with clarity, not big moves Weeky Update

January 8, 2026

A good year starts with clarity, not big moves

That stretch of time from just before Christmas through New Year’s is one of my…

Indira Delgado

A Little Perspective Before We Wrap Up the Year Weeky Update

January 5, 2026

A Little Perspective Before We Wrap Up the Year

It’s hard to believe Christmas is only one week away. As I’ve mentioned before, the…

Indira Delgado

Why the Fed cut matters more than yesterday’s BoC decision Weeky Update

December 11, 2025

Why the Fed cut matters more than yesterday’s BoC decision

Is anybody else’s kids stuck on this “6–7” thing right now? If you don’t know what I’m…

Indira Delgado