Mortgage providers slash rates in wake of bond yield drop + MORE Mar 23rd

Mortgages in Canada can be a murky subject – one that we hope to shed some light on with a series of highly informational articles.
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Latest in mortgage news: consumer insolvencies at highest level since 2019 May 25th

Consumer insolvencies in Canada have risen to their highest level in three years..... More »

Could diversified funding be the latest trend for alternative mortgages? + MORE Apr 28th

As the winds of change sweep across the lending landscape, regulatory underwriting guidelines are growing ever tighter. This puts non-bank clients in a precarious position, and mortgage brokers are feeling the pressure..... More »

Borrowers to “feel the strain” of high interest rates for several quarters to come, says BoC Apr 13th

High mortgage rates are taking a bite out of borrower's budgets, and the Bank of Canada says they will continue to "feel the strain" for several more quarters to come..... More »
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Home Prices Heat Up Despite High Interest Rates + MORE May 1st

Some weird stuff is happening in the world of real estate. As you likely know, the Bank of Canada has steadily raised interest rates over the past year in hopes of cooling inflation. This was also supposed to cool the housing market. Conventional wisdom dictates that higher rates would result in mor.... More »

How retired parents can use the FHSA to help their adult children + MORE Mar 26th

If you’re a retiree or close to retiring, you probably have a paid-off principal residence, or should be close to having one. However, many retirees—including me—have grown children struggling to get onto the first rung of the real estate ladder. Coming up with a down payment is still diffi.... More »
It took some time, but mortgage rates are now responding to last week’s plunge in bond yields stemming from fears about systemic financial risk in the U.S. and Europe.

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When deciding to hold rates at its February meeting, the Bank of Canada took into consideration the fact Canada’s real estate and mortgage markets are more rate sensitive compared to other countries.

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