Snowbird Financial Consulting

The Bank of Canada held rates at 2.25% again today.
For Canadian snowbirds, that means stability—at least for now.

After a full year of rate cuts in 2025, borrowing costs have leveled off. If you’ve been waiting for clarity before buying in Florida or refinancing a U.S. property, this is it.

Proud to be part of the NABOR 2026 Global Business Committee, contributing to the growth of international connections and cross-border investment.

We're so excited to welcome our 2026 Global Business Committee members! Looking forward to a fun but productive year 🌏🎉

Happy Thanksgiving! Please note that our offices will be closed on Thursday, November 27th and Friday, November 28th. We will reopen on Monday, December 1st. Thank you!

Bank of Canada Cuts Interest Rate by 0.25%.

What this means for Canadian Snowbirds looking at a U.S. vacation home:
✔️ Cross-border mortgages – If you’re using Canadian financing or tapping home equity for your U.S. purchase, lower borrowing costs could save you money.
✔️ Variable-rate loans in Canada – Your monthly payments may ease, freeing up more cash flow.
✔️ Financing flexibility – Whether you use a Canadian refinance, or a U.S. mortgage program for Canadians, this cut improves your overall borrowing power.

Message me to learn how this interest rate change could open the door to your vacation property in the U.S.

Happy Thanksgiving from all of us! We’re thankful for our wonderful clients, partners and staff. Please note: our office will be closed on Monday and will reopen the next day.
Enjoy your time with loved ones!