11/9/2023 | Posted in Mortgages and Real Estate by Vanguard Realty
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Residential mortgage debt in Canada totalled $2.14 trillion as of August this year, up by 3.4% compared with the same month in 2022 as the value of uninsured mortgages outstanding ... More

9/29/2023 | Posted in Mortgage Interest Rates by Vanguard Realty
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Mortgage providers across the country have been busy raising rates over the past week, and it could continue next week with as bond yields continue to rise. ... More

9/14/2023 | Posted in Mortgages and Real Estate by Vanguard Realty
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Canadian mortgage borrowers continued to see their interest costs climb in the second quarter, which have now soared over 80% since the Bank of Canada started raising interest ... More

9/12/2023 | Posted in Real Estate Investments by Vanguard Realty
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Investors in Canada’s residential real estate market accounted for a larger share of mortgaged purchases than repeat homebuyers in recent years despite rising interest ... More

9/8/2023 | Posted in Home Buyers by Vanguard Realty
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It’s no secret that Canada’s banking regulator has its sights set on fixed-payment variable-rate mortgage products. And OSFI chief Peter Routledge reiterated that ... More

8/28/2023 | Posted in Canadian Housing Market by Vanguard Realty
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The Bank of Canada's June and July interest rate increases essentially put a stop to the housing market’s recovery, says analyst. ... More

8/14/2023 | Posted in Home Buyers by Vanguard Realty
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Originally introduced to mitigate borrower default risks in the event of rising interest rates, some brokers now argue that Canada’s mortgage stress test is no longer needed ... More

7/26/2023 | Posted in Mortgages and Real Estate by Vanguard Realty
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The plan might help safeguard the stability of the financial system - but could also see mortgage costs rise. ... More

7/13/2023 | Posted in Mortgages and Real Estate by Vanguard Realty
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Following the Bank of Canada’s latest interest rate hike, experts say Canadian mortgage owners will feel the impact of higher borrowing costs, either in the form of higher ... More

7/12/2023 | Posted in Mortgage Interest Rates by Vanguard Realty
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The Bank of Canada today increased its target for the overnight rate to 5%, with the Bank Rate at 5¼% and the deposit rate at 5%. The Bank is also continuing its policy of ... More

6/16/2023 | Posted in Mortgages and Real Estate by Vanguard Realty
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Fixed mortgage rates are once again on the rise, with rates under 5% quickly becoming a distant memory. ... More

5/29/2023 | Posted in Interest Rates by Vanguard Realty
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The past two weeks have seen a flurry of mortgage rate increases at mortgage lenders, including several of the Big 6 banks. ... More

5/17/2023 | Posted in Home Buyers by Vanguard Realty
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A string of aggressive interest rate hikes from the Bank of Canada is driving short-term fixed-rate mortgage demand higher, according to a new survey. ... More

3/31/2020 | Posted in Mortgage Interest Rates by Vanguard Realty
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Canada’s mortgage rates are creeping up even though the country’s central bank has slashed borrowing costs to combat the COVID-19 pandemic. ... More

3/18/2020 | Posted in Mortgage News by Vanguard Realty
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Canada’s largest banks are coordinating their approach to the COVID-19 coronavirus outbreak to protect their employees and customers. ... More

2/19/2020 | Posted in Mortgages and Real Estate by Vanguard Realty
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The Office of the Superintendent of Financial Institutions (OSFI) has announced that it is considering a new benchmark rate to determine the minimum qualifying rate for uninsured ... More

2/10/2020 | Posted in GTA Real Estate by Vanguard Realty
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Mortgage stress test forces homebuyers further outside GTA to find house they can afford. ... More

1/3/2020 | Posted in Home Buyers by Vanguard Realty
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Have you decided to purchase a new condo? Consider these things to ensure you understand your rights as a new home buyer. ... More

12/13/2019 | Posted in Home Buyers by Vanguard Realty
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Millions of Canadian millennials feel they may never be able to follow previous generations into homeownership according to a new survey. ... More

11/25/2019 | Posted in Canadian Housing Market by Vanguard Realty
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Canadians are satisfied with their homes and neighbourhoods but will probably not stay put according to a new survey. ... More

9/19/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Great News for Canadians waiting for lower rates as the effects of shrinking global economy to hit Canada as well. ... More

9/6/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Canada's mortgage market has been turned upside down, and it's giving borrowers an uncommon advantage, a new report suggests. ... More

8/10/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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The recent slowdown in Canada’s hottest housing markets is turning a corner and a potential new price boom is threatening to frustrate would-be buyers’ hopes. ... More

7/28/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Strange Things: Canadians can now get a lower interest rate on a new mortgage by locking into a fixed rate, rather than opting for a variable rate. ... More

7/21/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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The Bank of Canada's rate used by mortgage stress tests to determine whether would-be homeowners can qualify has dropped for the first time in three years. ... More

7/18/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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The Ontario Real Estate Association is calling for less stringent mortgage rules in a rebuttal aimed at the head of the Canada Mortgage and Housing Corp. ... More

7/17/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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An increasing number of homeowners turned to alternative lenders last year, while new mortgage growth reached its slowest pace in more than a quarter of a century amid government ... More

7/3/2019 | Posted in Canadian Economy and Interest Rates by Vanguard Realty
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The Bank of Canada will start cutting its key lending rate in October as annual economic growth slows to one per cent in 2020, according to Capital Economics. ... More

6/17/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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The Canadian mortgage market continues to suffer from the impact of lower home sales in major markets as the stress tests weaken homebuyers’ abilities. ... More

6/13/2019 | Posted in Home Buyers by Vanguard Realty
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Three quarters of homebuyers in three of Canada's largest housing markets are not willing to take financial risks when buying a home, ... More

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