{"id":1071,"date":"2025-07-14T15:09:54","date_gmt":"2025-07-14T20:09:54","guid":{"rendered":"https:\/\/saintlohypotheques.com\/2025\/07\/14\/canada-u-s-economy-and-tips-for-choosing-your-mortgage\/"},"modified":"2025-10-15T09:54:10","modified_gmt":"2025-10-15T14:54:10","slug":"canada-u-s-economy-and-tips-for-choosing-your-mortgage","status":"publish","type":"post","link":"https:\/\/saintlohypotheques.com\/en\/2025\/07\/14\/canada-u-s-economy-and-tips-for-choosing-your-mortgage\/","title":{"rendered":"Canada, U.S. Economy and Tips for Choosing Your Mortgage"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;df3d6a9b-89b3-4b9f-987c-fd972b1c9305&#8243; text_font=&#8221;Lato||||||||&#8221; text_text_color=&#8221;#616c78&#8243; header_font=&#8221;Lato||||||||&#8221; header_text_color=&#8221;#616c78&#8243; header_font_size=&#8221;16px&#8221; header_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;||1px|||&#8221; hover_enabled=&#8221;0&#8243; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;15px&#8221; header_font_size_phone=&#8221;14px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"font-weight: 400;\">Are you keeping a close eye on economic news, but feeling lost among interest rates, employment, inflation, and central bank decisions? Don\u2019t panic! Here\u2019s a simple, clear\u2014and even a little funny\u2014overview (I\u2019ll try my best!) of the current economic situation in Canada and the United States.  <\/p>\n<p style=\"font-weight: 400;\">Who knows, you might even pick up some practical tips for choosing your mortgage. Let\u2019s dive in! <\/p>\n<p>[\/et_pb_text][et_pb_heading title=&#8221;U.S. Economy: Balancing Act with Challenges Ahead&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"font-weight: 400;\">Despite all the uncertainty around tariffs and upcoming decisions from President Trump, U.S. economic data continues to hold steady. No major crisis in sight\u2026 for now. <\/p>\n<p style=\"font-weight: 400;\">As The Economist recently summarized:<br \/> &#8220;The U.S. economy avoids disaster, but worries are piling up.&#8221;<\/p>\n<p>[\/et_pb_text][et_pb_heading title=&#8221;Canada\u2019s Job Market: Hiring\u2026 Part-Time&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"font-weight: 400;\">In June, the Canadian economy added roughly 83,100 new jobs\u2014well above expectations. Great, right? Yes, but here\u2019s the catch: 70,000 of those jobs are part-time. So, applause\u2026 with a small asterisk.<br \/>On top of that, average hourly wage growth slowed to 3.2% year-over-year, meaning wage pressure has eased a bit.   <\/p>\n<p>[\/et_pb_text][et_pb_heading title=&#8221;Mortgage Rates: Some Movement&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"font-weight: 400;\">Last week, Canadian government bond yields rose, driven by higher U.S. yields and our strong employment report.<br \/>Result? Some lenders raised their fixed rates last Friday, and I expect others to follow. In short: fixed rates are trending slightly upward these days.  <\/p>\n<p>[\/et_pb_text][et_pb_heading title=&#8221;And the Bank of Canada?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"font-weight: 400;\">I don\u2019t think the recent employment numbers will affect the Bank of Canada\u2019s short-term decisions. However, inflation\u2014which new data will be released tomorrow\u2014will likely have an impact. Stay tuned!  <\/p>\n<p>[\/et_pb_text][et_pb_heading title=&#8221;Tips for Choosing Your Mortgage&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"font-weight: 400;\">Nothing new from my side this week:<\/p>\n<ul style=\"font-weight: 400;\">\n<li>Fixed rates are still below their historical averages.<\/li>\n<li>The &#8220;term premium&#8221; (the extra cost for locking in a longer rate) is shrinking, meaning the difference between a 1-year and 5-year term is getting smaller.<\/li>\n<li>The best 3- and 5-year fixed rates are now roughly equal.<\/li>\n<li>As for variable rates, I still believe they offer the lowest long-term borrowing costs. But beware, these are turbulent times! Choose a variable rate only if you\u2019re comfortable with potential volatility and your budget can handle a payment increase if my predictions don\u2019t pan out.  <\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_heading title=&#8221;Little Secret for Borrowers&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"font-weight: 400;\">Did you know there are two types of variable-rate mortgages?<\/p>\n<ol style=\"font-weight: 400;\">\n<li>One adjusts your payments with each rate change, up or down.<\/li>\n<li>The other keeps your payments fixed, but adjusts the length of your mortgage. This changes how much of your payment goes toward interest versus principal depending on the rate. <\/li>\n<\/ol>\n<p style=\"font-weight: 400;\">(Heads up! If rates rise too much\u2014say about 2%\u2014your fixed payment may need to increase to cover interest. But this is rare and gradual.)<\/p>\n<p style=\"font-weight: 400;\">In Short, keep an eye on rates, inflation, and your finances. It\u2019s a bit like a suspense thriller\u2026 but your wallet is the one you need to protect! <\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;df3d6a9b-89b3-4b9f-987c-fd972b1c9305&#8243; text_font=&#8221;Lato||||||||&#8221; text_text_color=&#8221;#616c78&#8243; text_font_size=&#8221;12px&#8221; header_font=&#8221;Lato||||||||&#8221; header_text_color=&#8221;#616c78&#8243; header_font_size=&#8221;16px&#8221; header_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;30px||0px|||&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;15px&#8221; header_font_size_phone=&#8221;14px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Note: For a personalized strategy, it\u2019s essential to work with your mortgage broker and financial advisor, as every situation is unique and must be handled on a case-by-case basis.<br \/>Note 2: If you don\u2019t have a financial planner, financial advisor, or insurance advisor, give us a call \u2014 we know the best!<br \/><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;nous-joindre&#8221; module_class=&#8221;ps2id&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/saintlohypotheques.com\/wp-content\/uploads\/2024\/10\/BanniereMaison_VF-scaled.jpg&#8221; background_position=&#8221;top_center&#8221; custom_padding=&#8221;||66px|||&#8221; global_module=&#8221;233&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;_initial&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;60px|60px|60px|60px|true|true&#8221; custom_padding_tablet=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_phone=&#8221;20px|20px|20px|20px|true|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;on|30px|30px|30px|30px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Contact Us&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;07841036-136a-4d77-bb17-51caa82d7be6&#8243; title_font=&#8221;Lato|700|||||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size_phone=&#8221;50px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;a26c019b-d73f-428f-b322-1293c2432cd0&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||8px||false|false&#8221; locked=&#8221;off&#8221;]<\/p>\n<p>514-771-4413<br \/>pierre-alain@planipret.com<\/p>\n<p>[\/et_pb_text][et_pb_contact_form email=&#8221;pierre-alain@planipret.com&#8221; success_message=&#8221;Thank you for your message. We\u2019ll get back to you as soon as possible. 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global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;a26c019b-d73f-428f-b322-1293c2432cd0&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||8px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Membre de<\/p>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/saintlohypotheques.com\/wp-content\/uploads\/2024\/10\/logo_planipret_blanc_VF.png&#8221; title_text=&#8221;logo_planipret_blanc_VF&#8221; url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoiaG9tZV91cmwiLCJzZXR0aW5ncyI6eyJlbmFibGVfaHRtbCI6Im9mZiJ9fQ==@&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;center&#8221; align_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.2&#8243; _dynamic_attributes=&#8221;url&#8221; _module_preset=&#8221;default&#8221; width=&#8221;88%&#8221; module_alignment=&#8221;center&#8221; 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Don\u2019t panic! Here\u2019s a simple, clear\u2014and even a little funny\u2014overview (I\u2019ll try my best!) of the current economic situation in Canada and the United States. Who knows, you might even pick up some practical [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1070,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[32],"tags":[],"class_list":["post-1071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Blog - Tips for Choosing Your Mortgage<\/title>\n<meta name=\"description\" content=\"clear and accessible overview of the current economy in Canada and the U.S.: employment, inflation, and mortgage rates\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/saintlohypotheques.com\/en\/2025\/07\/14\/canada-u-s-economy-and-tips-for-choosing-your-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blog - 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