Mortgage Digest: Bond yield spike drives latest fixed mortgage rate hikes of up to 30 bps + MORE Mar 22nd

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Latest News

EQB mortgage book grows as credit recovery pushed into 2027 Jun 2nd

The bank reported continued growth in uninsured personal mortgages and insured multi-unit lending, but higher credit provisions and a softer housing market weighed on second-quarter earnings..... More »

Haventree Bank launches direct-to-consumer digital bank + MORE Jul 8th

The Schedule 1 bank is rolling out a new consumer deposit platform, marking a major move beyond broker-distributed mortgages and brokered deposits after more than three decades in the alternative lending space..... More »

Many mortgage holders have little room for higher payments: MPC + MORE Jun 26th

New consumer research finds recent buyers and newcomers are facing sharper affordability pressure, even as confidence in homeownership remains resilient..... More »

Part 1: Beating the Math: Why Politicians Are Failing Homebuyers and What you can do. Apr 21st

If you are trying to buy a house in Canada right now, the math is completely broken. Instead of treating the root causes of the housing crisis, politicians are serving up PR stunts that do very little to actually put keys in the hands of hardworking Canadians. Let’s look at the reality of the .... More »

Scotiabank to buy small Dallas bank in mortgage-finance play + MORE May 30th

Scotiabank agreed to acquire Maple Financial Holdings Inc., which owns a small U.S. commercial bank, as the Canadian firm looks to expand its structured-finance business in the American mortgage industry. .... More »

Making sense of the Bank of Canada interest rate decision on March 18, 2026

– moneysense.ca

Home buyers waiting for a spring interest-rate drop won’t have much to cheer about this month; the Bank of Canada has opted to leave its benchmark borrowing rate unchanged in its March announcement, marking its third consecutive rate hold.

This means the Bank’s overnight lending rate will remain at 2.25%, with the prime rate used by lenders—also set based on this benchmark—staying at 4.45%. This rate acts as the pricing floor for a number of floating rate borrowing products, including variable mortgage rates, HELOCs, and certain types of loans. The rate has now sat at this level since October 2025, when the Bank delivered the last of its nine-rate-cut series.

This latest rate hold is no surprise to market watchers; Canada’s sluggish job market and overall soft economic performance in 2025 have given the Bank little reason to make a move. The latest February Consumer Price Index report, released by StatCan on March 16, also indicates that inflation growth remains below the Bank’s 2% target at 1…

Continue Reading On moneysense.ca »

Fairstone’s Laurentian deal to boost credit profile—but pressure margins, DBRS says

– canadianmortgagetrends.com

A new DBRS report suggests the acquisition could strengthen the combined lender’s credit profile, while shifting its mortgage mix and putting pressure on profitability.