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Mortgage Industry News and Strategy

08 Dec

“We don’t see vulnerabilities worsening,” OSFI says as it leaves capital buffer for big banks unchanged

​ Canada’s banking regulator today announced no change to the amount of capital banks must keep on hand to cover potential future losses. As part of its semi-annual review, the ...

01 Dec

A 4.99% mortgage is providing short-term relief to borrowers…but what’s the catch?

  Some new and innovative mortgage products have recently emerged to help Canadians manage the current high interest rate environment, perhaps most talked about being True North Mortgage’s 1-year 4.99% ...

29 Nov

Brokers react to the government’s “nonsense” mortgage charter

​ The Liberal government last week unveiled a “new” Canadian Mortgage Charter aimed at ensuring lenders offer relief to mortgage borrowers who are struggling to make their payments. But it ...

27 Nov

Latest in mortgage news: Adult children of homeowners twice as likely to own a home

A key factor in determining whether an individual is likely to become a homeowner is whether or not their parents were property owners, a new study shows. The adult children ...

24 Nov

Mortgage activity down 25% from 2022 and fixed rates remain top choice, stats show

High interest rates have applied the brakes to Canada’s mortgage market, which saw growth slow to a 22-year low in September. New mortgage activity grew at an annual pace of ...

22 Nov

Overview of housing initiatives in the government’s Fall Economic Statement

​ From a crackdown to short-term rentals to new investments to create more housing supply, the federal government made housing a key component of its Fall Economic Statement released today. ...

19 Nov

Interest rates are higher than they should be due to government spending: Scotiabank

​ Canadian interest rates are about 200 basis points higher than they otherwise would be due to government spending at all levels, including billions spent on pandemic relief. That’s the ...

17 Nov

Delinquencies rising for borrowers with $400k+ mortgages, CMHC report shows

While overall mortgage delinquency rates remain near historic lows, figures show an upward trend this year for borrowers with larger balances. Data released this week by the Canada Mortgage and ...

16 Nov

The clock is ticking for Ontario brokers wanting to arrange private mortgages

A reminder to Ontario brokers wanting to arrange private mortgage deals in the new year: the deadline to complete the new licensing requirements is quickly approaching. Under the new Ontario ...

16 Nov

Several big banks to be impacted by OSFI’s new capital requirements for negative amortization mortgages

​ Canada’s banking regulator recently confirmed it will move ahead with new capital requirements for lenders and insurers with negatively amortizing mortgage portfolios. Starting in early 2024, the Office of ...

15 Nov

Latest in mortgage news: bond yields plunge as U.S. inflation eases

Canadian bond yields took another step down today following the release of lower-than-expected inflation data south of the border. The U.S. Department of Labor reported that lower gas prices helped ...

10 Nov

Mortgage industry reps provide feds with proposals to address housing affordability

​ Representatives from Canada’s mortgage industry presented the federal government with several proposals they say will help address the country’s housing affordability crisis. Earlier this week, Jasmine Toor of Mortgage ...

07 Nov

Latest in mortgage news: Lenders cut select fixed rates by up to 30 bps

Mortgage providers across the country have been dropping fixed mortgage rates throughout the week in response to a sharp decline in bond yields. As we reported last week, the 5-year ...

03 Nov

Experts predict lower mortgage rates as bond yields plunge

Mortgage shoppers and those with upcoming renewals may see some rate relief next week thanks to a steep drop in bond yields. This week alone, the 5-year Government of Canada ...

02 Nov

Fixed-payment variable rate mortgages a “dangerous product,” says OSFI

​ Canada’s banking regulator said Thursday it views fixed-payment variable-rate mortgages as a “dangerous product” that puts certain borrowers at increased risk of default. Peter Routledge, head of the Office ...

31 Oct

BoC’s Macklem talks government spending, political interference and (not) interest rate cuts

Bank of Canada Governor Tiff Macklem said on Monday bringing down inflation is “proving more difficult than we thought.” He also conceded that current government spending plans are at odds ...

27 Oct

Lender executives share their insights into the latest mortgage trends

The lender panel is a perennial fan-favourite at the National Mortgage Conference and this year was no exception. The panel, featuring executives from four key mortgage lenders, covered a number ...

26 Oct

Navigating to the top: women leaders in the mortgage and real estate industries share their stories

In a field traditionally dominated by men, a shift is underway within the offices of Canada’s mortgage and real estate industries. Women are now stepping into the limelight, assuming leadership ...

25 Oct

Private mortgages: what brokers need to know

  Think about McDonald’s: a universal symbol of predictable, fast service delivering the same trusted meal coast to coast. This, says Derek Serra, president of Westboro Mortgage Investment Corp, epitomizes ...

Private mortgages: what brokers need to know

While private mortgage providers may offer higher interest rates, they can be an attractive option for homebuyers unable to secure financing through A lenders.  

“I would just like to personally thank you in regards to our latest mortgage renewal, you made the entire process ...

Mike Johnson CEO, High Rise Construction

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Raj Nathinjsan VP, Green Valley Intenationl

Peter and staff literally got me a better rate, faster and considered me their family. Highly recommended for anything mortgage ...

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