Depending on your upbringing, culture, or the financial guru you once followed on YouTube at 2 a.m., you’ve probably already picked a side: “Debt is evil! Run!” or “Debt is fuel! Use it!”

💡 Your choice matters — Choosing to go to a bank directly you are indirectly helping create a monopoly in Canada.. 🔍 Monopolies hurt consumers — The Meta antitrust trial shows what happens when competition disappears. The same risk exists in Canada’s mortgage industry if big banks go unchecked.

Donald Trump’s proposed 25 % “reciprocal” tariffs would ripple into Canada through financial markets long before any goods clear customs, creating a two‑phase mortgage‑rate story for 2025‑26. Here’s what could unfold beginning in Q2 2025 and how you might benefit.