Canadian housing mortgage rates are all over the map. Don’t get trapped in an unnecessarily costly mortgage agreement.
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When financial expertise becomes a blind spot + MORE Aug 22nd
For anyone who follows my writing, you probably know that I spend very little time explaining how financial systems work. I am far more interested in the human and psychological side of money—the part that gets messy when real people must make decisions that don’t always fit the framework.
Th.... More »
Homeowners managing higher mortgage payments despite concerns: survey + MORE Aug 19th
As the last wave of mortgage renewals from the era of ultra-low interest rates comes, a new survey suggests most homeowners have been managing higher payments. .... More »
Mortgage borrowing slows to weakest pace since early 2024: StatCan + MORE Sep 12th
Household debt burdens eased as income growth outpaced debt payments, but mortgage interest costs continued to climb..... More »
Mortgage Expert alert: Why Canadian housing seems unaffordable in 2026: A 35-year real estate disconnect + MORE Jun 5th
The dream of home ownership in Canada appears distant in today’s mathematical reality. Housing costs account for nearly 30% of household income. Older generations survived 12–18% interest rates in the 1980s and early 1990s. At the time, home prices equaled two or three years of household income..... More »
TD launches agentic AI for mortgage and HELOC applications + MORE May 24th
The bank says its first autonomous AI model is already reducing parts of the pre-adjudication process from an average of 15 hours to less than three minutes..... More »
Iran conflict could push inflation back above 3%: Desjardins
– canadianmortgagetrends.com
Desjardins economists say surging energy prices tied to the Iran conflict are expected to push inflation higher through 2026, adding new uncertainty to the Bank of Canada’s rate path and mortgage-rate outlook.Borrowers shift to variable rates as renewal pressures begin to ease: CMHC
– canadianmortgagetrends.com
CMHC says borrowers are increasingly turning to variable-rate and shorter-term mortgages as renewal pressures begin to ease and insured lending rebounds.Desjardins sees mortgage growth drive stronger first-quarter earnings
– canadianmortgagetrends.com
Residential mortgages now account for nearly two-thirds of Desjardins’ loan book, while impaired mortgage loans remained relatively stable despite ongoing economic uncertainty.RFA reports more than $1B in mortgage originations in first quarter
– canadianmortgagetrends.com
The lender says prime insured mortgage growth helped drive a 40% year-over-year increase in first-quarter originations, while arrears remained well below the national average.
