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Mortgage Industry News and Strategy

31 May

Is the CHIP Reverse Mortgage in your lending portfolio? Here’s why it should be

  Advertorial By:HomeEquity Bank With real estate activity down in 2023 compared to the previous year due to high interest rates, many brokers have been mining their databases for refinancing ...

31 May

Changes to Canada’s CMB program could have unintended consequences, experts say

As the federal government considers streamlining its process for funding mortgages, some worry that changes to the Canadian Mortgage Bond (CMB) program could have unintended consequences. The potential change was ...

28 May

Value Connect on a mission to revolutionize appraisals in Canada

When former mortgage broker Chris Bisson identified several pain points in how mortgage appraisals were being done in Canada, he decided to do something about it. Chris Bisson, Founder and ...

26 May

Nearly 40% of homebuyers choosing short-term fixed-rate mortgages: CMHC

With an expectation that interest rates will fall in the coming years, nearly one in four new homebuyers and those renewing are choosing fixed-rate mortgages with terms under three years. ...

25 May

Competition Bureau launches investigation into Dominion Lending Centres

The Competition Bureau confirms that it has launched an investigation into alleged anti-competitive conduct by broker network Dominion Lending Centres Inc. (DLC). No details have been provided as to the ...

23 May

Latest in mortgage news: consumer insolvencies at highest level since 2019

Consumer insolvencies in Canada have risen to their highest level in three years. In March, 11,768 people filed insolvency paperwork, the highest monthly figure since 2019, according to data from ...

13 May

Industry giant Ron Butler launches his “Angry Mortgage” podcast

After facing building pressure to host his own podcast, Ron Butler—one of the most prominent names in the mortgage industry—this week launched his inaugural episode. Butler, a 28-year veteran of ...

11 May

CMHC consumer survey reveals the importance of follow-up contact by mortgage brokers

  There was a simple but important lesson for mortgage brokers in CMHC’s 2023 Consumer Survey released Wednesday: follow-up contact leads to more satisfied clients. In a high-interest rate environment ...

11 May

Manulife One offers unique options to brokers and their clients

  Advertorial By:Manulife Bank Virtually every client to whom Nicole Hayes recommends Manulife One ultimately chooses it as their mortgage product. They are also more likely to provide positive feedback ...

08 May

Mortgage renewal strategies in today’s high interest rate environment

  The current interest rate climate for mortgage brokers and their clients is dramatically different compared to just a year ago, requiring a whole new strategy when it comes to ...

04 May

Critics say OSFI’s proposed mortgage changes could do more harm than good

​ While OSFI’s proposed underwriting changes announced in January were presented as an effort to control market risk, critics say the regulator risks driving more borrowers into unregulated parts of ...

02 May

Home prices won’t revert to pre-pandemic levels, should start rising again in 2024: CMHC

The Canada Mortgage and Housing Corporation (CMHC) expects home prices to reach a bottom this year, but aren’t expected to fall below pre-pandemic levels. That was the takeaway from the ...

28 Apr

Interest rates expected to fall to 3.00% by end of 2024

The Bank of Canada’s benchmark interest rate is expected to fall back to around 3.00% by the end of 2024, according to a median of responses from market participants. The ...

28 Apr

The mortgage stress test has helped protect Canada’s housing market in this downturn: OSFI

​ The mortgage stress test has thus far proven effective in protecting the housing sector from a volatile economy, but further changes haven’t been ruled out, says Canada’s banking regulator. ...

27 Apr

Could diversified funding be the latest trend for alternative mortgages?

  Advertorial By:Glasslake Funding As the winds of change sweep across the lending landscape, regulatory underwriting guidelines are growing ever tighter. This puts non-bank clients in a precarious position, and ...

20 Apr

OSFI considering the need for additional regulations on existing mortgages

​ Canada’s banking regulator says it is considering whether to extend the scope of its mortgage guidelines to include existing mortgages. In its second Annual Risk Outlook released this week, ...

18 Apr

The latest in mortgage news: National Bank among first to offer First Home Savings Account

National Bank has become one of the first of the big banks to make the new First Home Savings Account (FHSA) available to its clients. The bank made the announcement ...

14 Apr

OSFI says mortgage amortization extension “not without risks”

​ Temporarily extending amortization periods has been a saving grace for many variable-rate mortgage holders as a way to manage the impact of higher interest rates and borrowing costs. But ...

13 Apr

Mortgage brokers rated their lenders, and these are the results

If you want to know how mortgage lenders are performing in today’s volatile market, who better to ask than a mortgage broker? Well, that’s exactly what Bond, a customer experience, ...

12 Apr

Borrowers to “feel the strain” of high interest rates for several quarters to come, says BoC

High mortgage rates are taking a bite out of borrowers’ budgets, and the Bank of Canada says they will continue to “feel the strain” for several more quarters to come. ...

“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

“Excellent ‘service’ and attention to detail. You walked us through everything so there were no surprises at all. Highly recommended ...

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 ...

Ray Louiston Head of Supply Chain, Pharma Company