Christina Bieniek

Slide 1
Everyone agrees on one thing: life costs too much, and housing hurts the most.

Slide 2
Even when borrowing gets cheaper, many feel owning a home still isn’t realistic.

Slide 3
People don’t feel change yet—plans exist, but real-life wallets feel stuck.

Slide 4
Daily expenses matter more than big promises; cutting costs beats every other priority.

Slide 5
That uncertainty drives trust-seeking, pushing more Canadians toward expert financial guidance.

What Happens When Market Trust Breaks?

Portable mortgages let homeowners transfer an existing low-rate loan to a newly purchased property.

When upgrading to a pricier home, borrowers must cover cost differences with cash or higher-rate loans.

The U.S. lacks portable mortgages due to long loan terms and reliance on mortgage-backed securities.

Portability works abroad because shorter mortgage terms reduce risk of decades-long interest-rate commitments.

While helpful for current owners, portable mortgages may raise home prices and offer minimal benefit to newcomers.