Inflation data and Bank of Canada decision lead busy week for mortgage watchers Mar 16th
Strong payment discipline masks growing mortgage stress, survey finds + MORE Mar 25th
Oil shock could keep rates higher for longer, analyst warns + MORE Mar 19th
Paying down your mortgage faster comes with trade-offs + MORE Apr 18th
Laurentian Bank slips to loss as mortgage book shrinks + MORE Mar 10th
Housing affordability challenges remain despite recent improvements: CMHC
– canadianmortgagetrends.com
A new analysis from the Canada Mortgage and Housing Corp. shows housing affordability challenges have eased in recent years but still remain at historic highs, and have even spread to other major cities. We’re 10 years apart. Can we retire together?
– moneysense.ca
My wife and I plan to retire at the end of 2027. I am 63 and my wife is 53. All our investments are split 50/50 between RRSPs and LIRAs for a total of about $1,450,000. We anticipate needing about $110,000 a year after tax in retirement. We have a line of credit, and we are paying it down by $36,000 a year. It will be paid off in 2027. With the age difference, are we okay to retire as planned or do we need to work a little longer? Also, when people make plans, and plan to sell their home in 20 years, do they really do that?
—Kenny
Hi Kenny, I’ll answer your last question first, which essentially is, when people create a retirement plan, do they stick to it? My observation is yes and no. Everyone has things they enjoy doing and will likely continue doing. Plus, there are the additional things you will want to try. But over time things change, personally and financially, for all kinds of different reasons. For that person who plans to sell their home and live off the proceeds 20 years from now… who knows? It is an option that made sense when the plan was constructed…
New study highlights trends in Canadian term life insurance
– moneysense.ca
If you’ve ever wondered how your choices compare to other Canadians, PolicyMe’s newly released 2026 study, Canadian Term Life Insurance: A Market Snapshot, provides some answers. The study analyzed over 18,000 customer interactions and highlighted coverage preferences, beneficiary choices, and generational health habits.
$500,000 is the sweet spot
Across age groups, $500,000 is the most commonly selected term life coverage. Younger Canadians (ages 18–44) also prefer longer terms (often 30 years), while older adults (45+) tend to select smaller coverage amounts and shorter terms.
Age of respondentsCoverageTerm length18–29$500,00030 years30–44$500,00030 years45–59$250,00010 years60+$100,00010 years
The pattern is clear: life insurance needs mirror life stages. Young adults with mortgages, car loans, or growing families lean toward larger, longer policies…
