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