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

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Strong payment discipline masks growing mortgage stress, survey finds + MORE Mar 25th

Despite strong payment performance, a growing share of borrowers report difficulty keeping up and are cutting back on spending to stay current.... More »

Mortgage expert alert: Will the Iran War and rising inflation offer a buying opportunity in 2026? + MORE Apr 9th

Escalating tensions in the Middle East have erupted into war between the US and Iran. Spiking oil prices from Strait of Hormuz blockages are already having an immediate, aggressive impact on your wallet, your household expenses, and crucially, your mortgage. Historically, moments of extreme globa.... 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 »

Refinancing your mortgage? Here’s why a professional home appraisal is step one + MORE Mar 28th

Before you refinance your mortgage, it’s important to know your home’s true value. A professional home appraisal gives you an accurate picture of the value of your property, helping you make smarter financial decisions from lowering your monthly payments to accessing equity to evaluating your re.... 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.