Mortgage knowledgebase
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Canadian Mortgage-Rate Advice: Trade War Edition
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Trump announced he was slapping 25% tariffs on Canadian imports. Chaos has a way of slowing down time. The Sword of Damocles did not fall on Trump’s first ...

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The BoC’s Latest Rate Cut Is Overshadowed By Trump’s Trade War
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The Bank of Canada (BoC) reduced its policy rate by another 0.25% last Wednesday. Variable-rate mortgage rates decreased by the same amount shortly ...

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Why the Bank of Canada Will Cut Again This Week
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Last week, Statistics Canada released our latest inflation data, for December, and the results came in basically as expected. Our Consumer Price Index ...

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Implications for Last Week’s Mortgage-Rate Related News
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Last week contained noteworthy developments for anyone keeping an eye on mortgage rates. On Wednesday, we received the latest US Consumer Price Index (CPI) ...

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Employment Surges Higher. Will Mortgage Rates Follow
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Last Friday we received the latest US and Canadian employment reports, for December, and both headline prints came in higher than expected. Bond yields on ...

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Canadian Mortgage and Real-Estate Predictions for 2025
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Happy New Year and welcome back. I hope everyone enjoyed some relaxing time over the holidays. As has become tradition for this blog, I will start the new ...

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Happy Holidays – Integrated Mortgage Planners
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I would like to wish my readers a healthy and happy holiday season. My next post will be uploaded on January 6. In the meantime, here are links to a few of ...

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The Bank of Canada Cuts Again (and More Should Still Be on the Way)
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. Last Wednesday, the Bank of Canada (BoC) cut its policy rate by another 0.50%, as expected. That means our variable mortgage rates will be reduced by the ...

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Last Week’s Surprising Bond-Market Moves Are Good News for Canadian Mortgage Rates
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Last Friday brought some surprising holiday cheer for anyone keeping an eye on Canadian mortgage rates. We learned that overall job growth in both Canada ...

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What Disappointing GDP Growth Means for Canadian Mortgage Rates
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Last Friday Statistics Canada confirmed that our GDP increased by only 1% quarter-over-quarter (QoQ) in Q3, down from 2.2% in Q2. That unspectacular result ...

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A Smorgasbord of Good News for Canadian Mortgage Borrowers
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What a week for Canadian mortgage news. In the span of only five days, we saw Canadian inflation return to the Bank of Canada’s (BoC) 2% target, the US ...

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A Mortgage Stress-Test Change at Last
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Last week the Office of the Superintendent of Financial Institutions (OSFI), our banking regulator, announced that it will no longer require any renewing ...

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