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It's so hard to have a calm intelligent debate about mortgage policy in Canada. And there’s a reason for it. Read More
Canada’s conservative nature means that we have a tendency to abide by the status quo, remaining committed to tradition and... Read More
Note: This editorial piece was previously published on RateSpy.com. It is being reprinted with permission due to the important and... Read More
Manulife officially entered the broker space two-and-a-half years ago to much fanfare. As a balance-sheet lender, brokers expected a wide... Read More
OSFI is tightening mortgage lending again. But this time, it’ll be less impactful for consumers. The banking regulator issued its... Read More
A few weeks ago, S&P said Canadian bank risk was rising, and it blamed mortgage brokers in the process. The... Read More
CMHC head Evan Siddall made a comment last fall that has credit unions worried. “CMHC will be seeking data from securitization... Read More
High borrowing rates are a relic. Canadian regulators may soon force borrowers to qualify at interest rates two percentage points... Read More
Among external factors that affect housing markets, two are by far the most important and both are more or less... Read More
When Interest Rates Inevitably Rise… In a new report on “household indebtedness and financial vulnerability,” the Parliamentary Budget Office (“PBO”)... Read More