Clara Desai
Real Estate News Analyst at Mortgage.Expert
Hi, I’m Clara — I write about mortgage rates, housing news, and what’s really changing for homebuyers across Canada. My goal is simple: cut through the noise and explain things clearly, especially for first-time buyers or anyone feeling stuck.
I track Bank of Canada updates, lender rate changes, and mortgage trends so you don’t have to. If something shifts, I’ll break it down — no jargon, no sales pitch.
You can reach me anytime at clara@mortgage.expert.
CMHC Lending Data Shows Mortgage Slowdown in June
Approval volumes down 12% nationwide — and buyers are feeling the chill.Canada’s housing market just got a fresh pulse check — and it’s running cooler than expected. According to preliminary data from the Canada Mortgage and Housing Corporation (CMHC), national…
The Rise of Co-Ownership in Canadian Real Estate
Friends and family are teaming up to break into the market — but not without risks With home prices still high and mortgage qualification tougher than ever, a growing number of Canadians are choosing to buy homes together — as…
BMO’s 2025 Mortgage Strategy: Focus Shifts to Renewals and Broker Partnerships
Canada’s third-largest bank pivots away from high-risk new lending in tight-rate eraAs home sales flatten and new mortgage originations cool, BMO (Bank of Montreal) is making a clear strategic pivot in 2025: doubling down on client renewals and broker relationships,…
Co-Ownership Strategies Rising in Expensive Canadian Cities
As home prices remain high, more buyers are teaming up — but not just couples In 2025, Canadians are increasingly embracing co-ownership as a way to break into pricey urban housing markets. While joint mortgages between partners have always existed,…
BoC Rate vs Core Inflation — Are They Finally Converging?
As of mid-2025, the Bank of Canada’s policy rate and Canada’s core inflation are finally showing signs of aligning — but will it last? For nearly two years, the Bank of Canada (BoC) has held its key overnight rate far…
How Much House Can I Afford in Canada? A Realistic Guide for First-Time Buyers
Buying a home is one of life’s biggest milestones — exciting, emotional, and yes, a little intimidating too. Before you start scrolling MLS listings or dreaming of kitchen backsplash tiles, there’s one question that needs an honest answer: How much…
How Tariff Threats and Bond Yields Could Impact Bank of Canada’s Decision
With global trade tensions rising and bond yields responding to market uncertainty, the Bank of Canada faces increasing pressure ahead of its next rate decision. This article breaks down how U.S. tariff threats and fluctuating Canadian bond yields could influence the BoC's monetary policy stance in 2025 — and what it means for borrowers across the country.
Why Canada’s Housing Crisis Is Getting Worse: The Real Story Behind Housing Starts and Supply
Despite rising demand, Canada’s housing supply continues to fall short — and new construction isn't keeping pace. This article dives into the root causes behind declining housing starts, delayed projects, and broken policy pipelines, revealing why the housing crisis in Canada is deepening in 2025 and what it means for homebuyers and renters.
Vancouver Condo Listings Surge 17% in Just One Month
Buyers are gaining leverage as inventory climbs — but for how long?After years of bidding wars and ultra-tight supply, Vancouver’s condo market is showing real signs of cooling — at least on the surface.According to the Real Estate Board of…
Desjardins Drops 5-Year Fixed to 4.64%
Quebec-based credit union now offers one of Canada’s lowest long-term mortgages. In a surprise move this week, Desjardins slashed its 5‑year closed fixed rate to 4.64%, undercutting big banks and surprising the market This puts Desjardins at the top of…
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