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OSFI Tightens Supervisory Expectations for Mortgage Underwriting

OTTAWA ─ July 7, 2016 ─ Office of the Superintendent of Financial Institutions The Office of the...

Forming client relationships

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Is Guelph in a Housing Bubble…no really?

A week doesn’t go by without a customer asking if we are in a housing bubble. While...

Should I buy a house now or wait until I have more money saved?

Canada Mortgage Housing Corporation (CMHC) has some interesting statistics available on home purchases. It normally takes people...

Negotiating a better mortgage rate

Everyone who needs a mortgage wants the best rate. However a good rate is only one way...

Clear up debt for 2016: a great financial goal because of low rates

About a quarter of my mortgage practice consists of people who come to ask advice and help...

What’s really happening when banks raise their mortgage rates?

Housing Market Outlook 2015 and projection for 2016

New Home Market In the Kitchener-Cambridge-Waterloo (KCW) and Guelph areas, housing starts will be lower in 2016...

More money down required if you’re buying a home…but only if it’s more than $500K

If you’re buying a house for more than $500,000 you’ll need to have more money saved for...

Trends in 2016 which will impact mortgage borrowers

Trends in mortgage financing that have impacted buyers and sellers in 2015 The overall sentiment of mortgage...

Opportunities for real estate investing

According to Canada Mortgage Housing Corporation (CMHC) despite slightly rising vacancy rates, Guelph will continue to have...

Canadian highlights from TD bank

Here are some highlights that come from TD Economics about Canada: -Economic data this week supported the...