2/3/2023 | Posted in Mortgages and Real Estate by Anabela Serra
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An analysis of homeowners' loan-to-value ratios reveals resilient position despite challenges.

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Real Estate & Mortgage News

  1/30/2023 | Posted in Interest Rates by Anabela Serra
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While rates have been steadily climbing for variable mortgages, fixed mortgage rates have been moving in the opposite direction.

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  1/27/2023 | Posted in Canadian Economy and Interest Rates by Anabela Serra
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The Bank of Canada hiked its key interest rate by a quarter of a percentage point Wednesday, bringing it to 4.5 per cent. Here's a look at what the rate means, how analysts ... More

Real Estate & Mortgage News

  1/25/2023 | Posted in Mortgage News by Anabela Serra
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Canada’s national arrears rate ticked up from its all-time low in October, according to data from the Canadian Bankers Association.

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Real Estate & Mortgage News

  1/24/2023 | Posted in Interest Rates by Anabela Serra
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The Federal Reserve and Bank of Canada can afford to pause interest-rate increases now because inflation pressures are easing rapidly, according to a Bank of Montreal ... More

Real Estate & Mortgage News

  1/13/2023 | Posted in Mortgage News by Anabela Serra
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Canada's banking regulator has unveiled three new regulatory proposals that could further restrict mortgage lending pending a just-launched consultation period.

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Real Estate & Mortgage News

  12/20/2022 | Posted in Home Buyers by Anabela Serra
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High home prices and rising interest rates over the course of 2022 have made it significantly harder for buyers to qualify for the average mortgage.

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Real Estate & Mortgage News

  12/5/2022 | Posted in Home Buyers by Anabela Serra
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With Canada’s banking regulator set to deliver its verdict in mid-December on whether changes to the mortgage stress test are required, a prominent economist at one of ... More

Real Estate & Mortgage News

  12/2/2022 | Posted in Interest Rates by Anabela Serra
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The Bank of Canada is expected to conclude a historic year marked by high inflation and aggressive monetary policy tightening with one more interest rate hike on ... More

Real Estate & Mortgage News

  11/29/2022 | Posted in Mortgage Interest Rates by Anabela Serra
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Fixed mortgage rates are slowly following bond yields and trending downward.

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Real Estate & Mortgage News

  11/21/2022 | Posted in Mortgages and Real Estate by Anabela Serra
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At least two of Canada’s largest mortgage lenders allow borrowers to shift a portion of their interest costs onto the principal owed on their mortgages, helping them cope ... More

Real Estate & Mortgage News

  11/15/2022 | Posted in Home Buyers by Anabela Serra
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Already a source of huge debate in the mortgage industry since its introduction, the mortgage stress test came under scrutiny from executives at top Canadian lenders during a ... More

Real Estate & Mortgage News

  11/3/2022 | Posted in Canadian Economy and Interest Rates by Anabela Serra
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The Bank of Canada is almost done with its current series of rate hikes, but consumers should brace for higher borrowing costs before the end, according to central bank ... More

Real Estate & Mortgage News

  11/1/2022 | Posted in Mortgages and Real Estate by Anabela Serra
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A new survey has found that 53% of Canadian mortgage borrowers are concerned about the prospect of higher monthly payments at renewal time.

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Real Estate & Mortgage News

  10/18/2022 | Posted in Mortgage Interest Rates by Anabela Serra
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While homeowners with variable-rate mortgages brace for another expected hike next week from the Bank of Canada, fixed-rates are rising too, according to rate insiders.

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Real Estate & Mortgage News

  9/14/2022 | Posted in Home Buyers by Anabela Serra
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Despite today’s mortgage borrowers having to qualify at rates in excess of 6% and 7%, Canada’s banking regulator said no changes to the stress test are ... More

Real Estate & Mortgage News

  8/8/2022 | Posted in Mortgages and Real Estate by Anabela Serra
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There has been a lot of discussion recently about how variable-rate mortgage holders could face their “trigger point.” We’re going to explore what that means, ... More

Real Estate & Mortgage News

  8/5/2022 | Posted in Mortgages and Real Estate by Anabela Serra
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Trend builds on substantial annual increase in Canadian residential mortgage debt last year.

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Real Estate & Mortgage News

  7/18/2022 | Posted in Interest Rates by Anabela Serra
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The Bank of Canada's intention to "frontload" its path to higher rates means its policy rate could peak as early as September, according to a prominent CIBC ... More

Real Estate & Mortgage News

  7/13/2022 | Posted in Mortgages and Real Estate by Anabela Serra
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The Bank of Canada has raised its benchmark interest rate by the largest amount in more than 20 years, sharply increasing the cost of borrowing in an attempt to rein in runaway ... More

Real Estate & Mortgage News

  7/10/2022 | Posted in Mortgage Interest Rates by Anabela Serra
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Economists are predicting the Bank of Canada will hike its key interest rate by three-quarters of a percentage point on Wednesday as inflation rages on globally.

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Real Estate & Mortgage News

  6/21/2022 | Posted in Mortgages and Real Estate by Anabela Serra
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An obscure feature of variable-rate mortgages may push up the monthly payments for an increasing number of borrowers.

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Real Estate & Mortgage News

  6/17/2022 | Posted in Mortgages and Real Estate by Anabela Serra
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Experts say extending the amortization period for your mortgage could keep your monthly payments in check even as you face higher interest rates, but caution that doing so ... More

Real Estate & Mortgage News

  6/16/2022 | Posted in Interest Rates by Anabela Serra
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Economists believe it's even more likely Macklem will have the confidence to increase the benchmark rate the same as U.S. bank authority.

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Real Estate & Mortgage News

  6/7/2022 | Posted in Canada Living by Anabela Serra
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The first quarter marked the fifth consecutive deterioration in housing affordability, and the worst drop yet, according to National Bank of Canada.

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Real Estate & Mortgage News

  6/1/2022 | Posted in Mortgage Interest Rates by Anabela Serra
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The Bank of Canada has raised its trendsetting interest rate by 50 basis points, marking its second consecutive oversized hike – and third overall increase this year ... More

Real Estate & Mortgage News

  5/31/2022 | Posted in Mortgage Interest Rates by Anabela Serra
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The increments in the central bank’s rate hikes will become narrower in the foreseeable future, analysts say

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Real Estate & Mortgage News
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