Opinion

Unique perspectives on mortgage matters from a cross-section of voices from both inside and outside of the industry.

Forget the comparisons: success in brokering comes in many forms

October 2, 2024 5 Comments

I am tired of being told I am doing it wrong.

Challenges and opportunities for brokers

Challenges and opportunities for mortgage brokers in the current rate cycle

September 11, 2024 No Comments

The current rate environment presents new hurdles for mortgage brokers while also opening up potential growth opportunities for those able to adapt.

Bracing for impact: What the current market volatility means for mortgage brokers and borrowers

August 5, 2024 No Comments

It’s amazing what a couple of days can do to the human psyche.

Opinion: Are fixed mortgage rates poised to rise? Here’s why I think so.

April 3, 2024 1 Comment

It seems that the Canadian bond market has a spring in its step these days. After hitting a low around 3.26% in January, the Government of Canada 5-year bond yield—which typically leads fixed mortgage rates—finished Tuesday’s session at 3.63%.

Opinion: How to bridge the housing affordability gap for a generation without a home

August 21, 2023 1 Comment

Over the next few days, the new federal cabinet will gather in P.E.I. for their summer retreat.

Long-term prospect for Canadian home prices

Long-term prospects for Canadian home prices are positive

December 13, 2022 1 Comment

The decline in national home prices this year will not turn into a prolonged downfall like the one that happened in the early 1990s.

Who will blink first, Toronto’s homebuyers or home sellers?

November 11, 2022 No Comments

What could be the reason for this unexpected strength in Toronto home prices? And what is the likely scenario for the remainder of this year and for 2023?

Mortgage rate pricing: Canada vs. the U.S.

August 3, 2022 No Comments

Sometimes you just don’t know how good or bad you have it. Take the mortgage business, for example.

Mortgage stress test impacting qualification amounts

How the mortgage stress test is impacting qualification amounts

June 20, 2022 No Comments

As of June 2022, we are currently seeing unnatural discrepancies in the size of mortgage loans borrowers will qualify for, and it’s all because of

National Bank’s Broker Push Expands Throughout Ontario

April 27, 2022 No Comments

National Bank of Canada expanded its Ontario pilot to all brokers in the province this week, albeit only if you’re an M3 Group broker.

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