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Fed Uncertainty Causes Canadian Fixed Rates to Fall
Canadian homebuyers and mortgage holders saw some unexpected relief last week. Fixed mortgage rates dropped by 20 basis points — a sizable shift — but the reason for this drop wasn’t Canadian at all. It came from across the border,…
Are High Interest Rates Ruining Canadian Love Lives?
You know interest rates are high when even love starts feeling the pressure. In 2025, it’s not just wallets being squeezed — it’s relationships too. A recent survey from 360Lending revealed something few expected: nearly half of Canadians believe high…
Home Affordability in Canada Took a Hit This August — Here’s What It Means for Buyers
Canadians hoping for some housing relief this summer were met with a tough reality in August: owning a home got even more expensive. New data shows that, on average, you needed 8.27% more income this August than last year to…
Home Affordability Only Improved in 1 Out of 10 Provinces in July: What It Means for Buyers
Let’s not sugarcoat it — July was another tough month for home affordability in Canada. Despite some good news in home prices cooling off in certain provinces, the relief was mostly cancelled out by soaring interest rates. In fact, based…
Home Affordability Worsened in 6 of 10 Provinces Despite Cooling Prices: July 2023 Snapshot
At first glance, it might seem like good news — home prices in most parts of Canada have dropped compared to last year. But if you’re a hopeful buyer, don’t celebrate just yet. Because while homes might be cheaper on…
Home Sales Are Up, But Listings Are Low: Where Are The Sellers?
In an unexpected twist this year, home sales are on the rise—but sellers seem to be missing in action. Across major Canadian cities like Toronto, Newmarket, and Mississauga, buyers are re-entering the market in full force despite high interest rates.…
Housing Starts and Housing Supply in Canada: Why It’s Getting Harder to Find a Home
Canada’s housing crisis is no longer a distant warning bell—it’s loud, clear, and hitting home for millions. At the heart of this issue? A deepening gap between how many homes we’re building (housing starts) and how many homes Canadians actually…
How AI Will Influence the Mortgage Industry in Canada
The rise of artificial intelligence (AI) is reshaping almost every corner of the financial world—and the mortgage industry is no exception. From speeding up approvals to making mortgage shopping smarter and more accessible, AI is already changing how Canadians navigate…
How Could Election Promises Impact Canadian Mortgage Rates?
As Canadians gear up for the next federal election, one question is top of mind for homeowners and homebuyers alike: how will campaign promises impact mortgage rates? While the Bank of Canada ultimately controls the policy rate that influences variable…