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Anatomy of mortgage changes
There is little doubt that housing sales have slowed down in the past year, due in large part to stricter mortgage regulations. Part of those regulations is a mortgage stress test that requires...
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The Canadian economy and the housing market
We are living in strange times, economically speaking. Mortgage stress tests have slowed the housing market and may be one of the reasons the Bank of Canada has signaled it may pause on increasing...
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Alternative Lending
As we all know, mortgage financing is not as easy to attain as it was even a few years ago before the stress test was introduced in October of 2016. This is why alternative lenders, also known as B...
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Fixed Vs. Variable - What Do You Really Know About Mortgage Interest Rates?
FIXED OR VARIABLE Fixed or variable? This is probably my most frequently asked question. Most of my first time home buyer clients get advice from their friends, co-workers, parents or others within...
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