Blog - Vibe Mortgage

How Saskatchewan’s Home Renovation Tax Credit Can Support Homeowners

By Scott Tremblay on October 7, 2025

Owning a home often comes with a long list of projects and renovations. Whether it is updating a bathroom, tackling repairs or finishing a basement, renovations can be a costly expense for homeowners. Thankfully for Saskatchewan residents, the Home Renovation Tax Credit (HRTC) offers a way to save some money while improving a home’s value.

What Does It Really Cost to Buy a Home in Saskatchewan in 2025?

By Scott Tremblay on September 3, 2025

Buying a home in Saskatchewan has become increasingly expensive over the years. Homebuyers face both rising property values as well as associated costs that extend beyond just the purchase price. Understanding these expenses up front helps prospective homeowners’ budget more effectively and avoid financial surprises during the buying process.

Saskatchewan's Secondary Suite Incentive Program: A Strategic Opportunity for Homeowners

By Scott Tremblay on July 14, 2025

In response to the increasing Saskatchewan population and rising pressure on the rental market across the province, the government of Saskatchewan has introduced the Secondary Suite Incentive (SSI) Grant Program. This initiative offers financial support to eligible homeowners looking to add rental suites to their primary residence – creating more housing options for renters and […]

Low Inventory, High Competition: How to Make Your Mortgage Pre-Approval Stand Out

By Scott Tremblay on June 4, 2025

The Saskatchewan real estate market is facing a challenge: buyer demand is outpacing listings and new home construction. For buyers in Saskatoon, Regina and communities around the province, this means greater competition for every property that comes to market. In a seller’s market like this, having a mortgage pre-approval isn’t just helpful, it can be essential. That said, not all pre-approvals are created equal.

How to Navigate Saskatchewan’s Spring Real Estate Market

By Scott Tremblay on March 24, 2025

For those looking to buy or sell, understanding the dynamics and navigating these factors with the right strategies can make all the difference.

How Mortgage Amortization Extensions Could Help Affordability

By Scott Tremblay on February 13, 2025

Extended mortgage amortizations are a potential solution for providing some relief by increasing the amount of time to pay down the full amount of the mortgage.

How Government Bond Yields Impact Mortgage Rates

By Scott Tremblay on December 19, 2024

Mortgage rates are a key factor in the cost of homeownership, and they don’t move randomly. A major influence comes from Canadian bond yields, which determine how fixed rates rise or fall. For homeowners or potential buyers, understanding this connection is essential for making smart financial decisions. Understanding the Link Lenders closely monitor the bond […]

Timing the Refinancing of a Mortgage: Key Considerations

By Scott Tremblay on November 27, 2024

Refinancing a mortgage can be a powerful tool for homeowners seeking to lower monthly payments, access home equity, or adjust the loan terms to better suit their financial goals. But deciding when to refinance—and whether it’s the right choice—requires careful consideration. Here are some key considerations to keep in mind. What is Mortgage Refinancing? Mortgage […]

The Impact of Population Growth on Saskatoon’s Housing Market: What Buyers Should Know

By Scott Tremblay on September 19, 2024

Saskatoon is one of Canada’s fastest-growing cities, drawing people in with its vibrant culture, growing economy and family-friendly feel. With a population growth of 1.46-1.85% each year, the city is on a steady growth trajectory. This growth is putting more demand on the housing market, presenting both opportunities and challenges for potential buyers.

Unlocking Value: Purchasing a Home with a Rental Suite

By Scott Tremblay on August 19, 2024

In Saskatchewan’s real estate market, homes with rental suites offer unique opportunities for buyers. These revenue-generating units, often called basement or secondary suites, offer significant advantages for long-term investment potential and financial viability, especially as housing costs continue to rise.

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Vibe Mortgage - iSask Team
517 4th Avenue North
Saskatoon, Saskatchewan
S7K 2M5

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Vibe Mortgage
517 4th Avenue North
Saskatoon, Saskatchewan
S7K 2M5

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