Bank of Canada Holds at 2.25%: What It Means for South Okanagan Buyers This Spring

Buyer Guides By Riccardo Manazza, South Okanagan REALTOR®  ·  March 25, 2026  ·  10 min read The Bank of Canada's latest rate decision matters — but probably not in the dramatic, headline-grabbing way many buyers expect. On March 18, 2026, the Bank held its target for the overnight rate at 2.25%, ma

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Using RRSPs for a Down Payment: What to Know Before You Decide

First-Time Buyers RRSP or Down Payment? What South Okanagan Buyers Need to Know Before February's Deadline By Riccardo Manazza February has a way of creating urgency. It's the final month to make RRSP contributions that count toward last year's tax return, and for many Canadians, the same thought su

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Understanding the FHSA: The Most Overlooked Path to Homeownership in Penticton and the South Okanagan

Buyer Guide Why the FHSA Is the Most Powerful Home-Buying Tool in Canada — South Okanagan By Riccardo (Rico) Manazza, REALTOR® | March 2, 2026 For first-time buyers — and even people who have been off title for at least four years — the First Home Savings Account (FHSA) is one of the most powerful t

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The 3-3-3 Rule in Real Estate Explained: What It Means for Buyers and Sellers

A Simple Rule That Helps You Make Smart Real Estate Decisions Real estate can feel overwhelming especially when you’re trying to buy or sell in a competitive market like Penticton. Prices move, interest rates fluctuate, and the emotional pressure of timing the market can create unnecessary stress. T

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