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

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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 »

Mortgage debt rising fastest among Canadians nearing retirement, data show Apr 27th

Older homeowners are increasingly leveraging equity to help younger buyers, raising long-term financial risks as retirement approaches.... More »

An inside look at how your loans — and spending — affect your credit score Apr 6th

Having a variety of loans could help strengthen your credit score — or harm it, depending on your spending and payment history. But a credit card, car loan and mortgage work differently, making it hard to know how to improve your number..... More »

The bond risk many investors overlook Jul 5th

When you buy a bond, there’s a chance the borrower might not be able to pay you back, but bonds also carry a different kind of risk. Duration, or interest rate risk, is related to a bond’s sensitivity to changes in interest rates. When interest rates go up, you won’t be able .... More »

Mortgage broker share rises to 38%, hits 48% among recent first-time buyers: MPC Jul 26th

New MPC research finds broker use increased across buyer groups and regions in 2025, while more borrowers sought advice alongside competitive rates..... 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.