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According to the year-end affordability report compiled by Ratehub.ca, home prices ended 2024 at higher levels in 11 of the 13 markets studied, but the effects of easier borrowing costs helped offset steeper costs, improving overall affordability in nine regions. The study determines how affordability conditions evolve in real estate across Canada by calculating the changing amount of income required to qualify for a mortgage in each city. The report is based on 2024 real estate data from the Canadian Real Estate Association (CREA), as well as mortgage and stress test rates.
The December 2024 calculations (updated monthly, so bookmark this page) show that during the 12-month period, the average five-year fixed mortgage rate lowered from 5…
TD Bank plans to sell $9 billion in mortgages to comply with asset cap
– canadianmortgagetrends.com