Vanguard Realty

JPMorgan sees 'material risk' of full-point hike from Bank of Canada

6/26/2022 | Posted in Interest Rates by Vanguard Realty
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The possibility of a full-percentage point interest rate hike from the Bank of Canada at its July meeting is now firmly on the table following the latest inflation data for May, ... More

Bank of Canada, Bank of Canada Benchmark Rate, Canadian Debt, Interest Rates

Bank of Canada likely to mirror 0.75 per cent Fed hike next month: economists

6/16/2022 | Posted in Interest Rates by Vanguard Realty
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Economists believe it's even more likely Macklem will have the confidence to increase the benchmark rate the same as U.S. bank authority. ... More

Bank of Canada, Bank of Canada Benchmark Rate, Interest Rates, Mortgage Consumers, Mortgage Rates Canada, Mortgage Rates Forecast, Mortgage Trends

BoC's Macklem: Rate hikes will not be detrimental to the economy

6/14/2022 | Posted in Canadian Economy and Interest Rates by Vanguard Realty
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The likely deceleration of the housing market would be a welcome effect, Macklem says ... More

Bank of Canada, Bank of Canada Benchmark Rate, Canada Living, Canada Real Estate, Canadian Debt, Canadian Households, Canadian Housing Market, Interest Rates

Nearly 1 in 4 homeowners would have to sell if interest rates rise more, survey finds

6/13/2022 | Posted in Canadian Housing Market by Vanguard Realty
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Nearly one in four homeowners say they will have to sell their home if interest rates go up further, according to a new debt survey from Manulife Bank of Canada. ... More

Bank of Canada Benchmark Rate, Canadian Debt, Canadian Housing Market, Home Owners, Interest Rates

Deputy Bank of Canada governor warns key interest rate could rise above previous target of 3 per cent

6/3/2022 | Posted in Canadian Economy and Interest Rates by Vanguard Realty
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One day after raising the key interest rate by 50 basis points to 1.5 per cent, the Bank of Canada is warning Canadians that rates could rise above previously targeted levels in ... More

First Time Home Buyers, Household Debt, Interest Rates, Variable Rate Mortgages

Bank of Canada announces another oversized rate hike

6/1/2022 | Posted in Mortgage Interest Rates by Vanguard Realty
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The Bank of Canada has raised its trendsetting interest rate by 50 basis points, marking its second consecutive oversized hike – and third overall increase this year – ... More

Bank of Canada, Bank of Canada Benchmark Rate, Canadian Housing Market, Home Buyers, Interest Rates, Mortgage Consumers, Variable Rate Mortgages

The latest in mortgage news: BoC rate hike expectations grow

5/12/2022 | Posted in Interest Rates by Vanguard Realty
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The Big 6 banks have raised their expectations for Bank of Canada rate hikes, with most expecting another 125 to 150 basis points in tightening by the end of the year. ... More

Bank of Canada Benchmark Rate, Big Six, Interest Rates

Big Banks Raise 5-Year Fixed Rates Above 4%

4/25/2022 | Posted in Interest Rates by Vanguard Realty
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Most of the country's big banks are now advertising special-offer 5-year fixed rates above 4%. ... More

Bank of Canada Benchmark Rate, Big Six, Canadian Banks, Canadian Housing Market, Interest Rates

Toronto House Prices Jump By $130,000 In A Year

3/6/2020 | Posted in Toronto Real Estate by Vanguard Realty
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Toronto House Prices Jump By $130,000 In A Year As Industry Calls For 'Shovels In The Ground'. And now the Bank of Canada is putting "kerosene on the fire" with ... More

Bank of Canada, Interest Rates, Stress Test, Toronto Condo Market, Toronto House Prices, Toronto Living, Toronto Real Estate, Toronto Real Estate Prices, Toronto Residential

Canadian Household Borrowing Jumps By 31%, StatCan Says

12/16/2019 | Posted in Financial Health by Vanguard Realty
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Canadians' borrowing habits are back to where they were before policymakers cooled off the housing market. Lower interest rates are convincing some to borrow more. ... More

Canadian Debt, Canadian Households, Household Debt, Interest Rates, NonMortgage Debt

Low interest rates are the market's lifeline during tougher times

9/25/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Employment figures had a major influence on the market's dynamics. ... More

Canadian Housing Market, Interest Rates, Mortgage Consumers

More Fed cuts expected to push Canadian interest rates lower

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

Canadian Mortgage Market, Home Buyers, Interest Rates, Mortgage Consumers, Mortgage Rates Canada, Mortgage Trends, Mortgages & Real Estate

Bank of Canada reveals latest interest rate decision

9/4/2019 | Posted in Interest Rates by Vanguard Realty
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The Bank of Canada resisted pressure from investors by declining to signal it will soon follow global peers in easing monetary policy. ... More

Bank of Canada, Bank of Canada Benchmark Rate, Canadian Debt, Economic Growth, Interest Rates, Mortgage Consumers, Variable Rate Mortgages

The bank offering the world's first negative mortgage rate

8/18/2019 | Posted in Interest Rates by Vanguard Realty
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Negative mortgage interest rates offered in Denmark. How is it possible? ... More

Interest Rates, World Real Estate Markets

Bank of Canada keeps key interest rate steady

7/10/2019 | Posted in Canadian Economy and Interest Rates by Vanguard Realty
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The Bank of Canada is keeping its trend-setting interest rate steady at 1.75 per cent in a decision widely expected by economists. ... More

Bank of Canada, Bank of Canada Benchmark Rate, Household Debt, Interest Rates, Mortgage Consumers, Mortgage Rates Canada, Mortgages & Real Estate, Variable Rate Mortgages

Bank of Canada to cut rates in October, then twice 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

Bank of Canada, Bank of Canada Benchmark Rate, Home Buyers, Interest Rates, Mortgage Rates Canada

Inflation surges to highest in seven years, giving Bank of Canada room to hold rates

6/20/2019 | Posted in Canadian Economy and Interest Rates by Vanguard Realty
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Canadian inflation quickened in May on increases across all eight major components, giving the Bank of Canada plenty of scope to hold interest ... More

Bank of Canada, Bank of Canada Benchmark Rate, Economic Growth, Interest Rates

Bank of Canada maintains overnight rate target at 1.75 per cent

5/29/2019 | Posted in Interest Rates by Vanguard Realty
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The Bank of Canada today maintained its target for the overnight rate. ... More

Bank of Canada, Bank of Canada Benchmark Rate, Household Debt, Interest Rates, Mortgage Consumers, Mortgages & Real Estate, NonMortgage Debt

Interest rate cut now unlikely say economists

5/27/2019 | Posted in Interest Rates by Vanguard Realty
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The Bank of Canada will make its May interest rate decision Wednesday but it’s unlikely there will be a change according to a panel of experts. ... More

Bank of Canada, Bank of Canada Benchmark Rate, Household Debt, Interest Rates, Mortgage Consumers, Mortgage Rates Canada, Mortgages & Real Estate, NonMortgage Debt, Variable Rate Mortgages

Delinquency rates hold steady even as credit market grows

5/23/2019 | Posted in Financial Health by Vanguard Realty
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The Canadian credit market has grown but it appears that consumers are generally managing their debt well. ... More

Canadian Credit Market, Household Debt, Interest Rates, Mortgage Consumers, Mortgage Delinquency, NonMortgage Debt

Poloz expects rates to rise 'a bit' but unsure on timing

5/21/2019 | Posted in Interest Rates by Vanguard Realty
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Bank of Canada Governor Stephen Poloz said he sees the slowdown in Canada’s economy as temporary and that interest rates will likely go up – he just doesn’t know ... More

Bank of Canada, Bank of Canada Benchmark Rate, Canadian Housing Market, Economic Growth, Interest Rates

Canadian Bankruptcies Jump At Fastest Pace Since Financial Crisis

5/14/2019 | Posted in Financial Health by Vanguard Realty
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Higher interest rates and a record-large debt burden are taking their toll on Canadians, with the number of households filing for insolvency hitting an eight-year high in the ... More

Bankruptcy, Canada, Household Debt, Insolvency, Interest Rates, NonMortgage Debt, Office of the Superintendent of Financial Institutions

Fixed or Variable Rate?

5/6/2019 | Posted in Canadian Economy and Interest Rates by Vanguard Realty
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Goodbye, variable-rate mortgage. Everyone’s going fixed these days, and for good reason. ... More

Fixed Rate Mortgages, Home Buyers, Interest Rates, Mortgage Consumers, Mortgage Market, Mortgage Rates, Mortgage Rates Canada, Mortgage Refinancing, Mortgage Trends, Mortgages & Real Estate

Latest stats make interest rate hikes highly unlikely in 2019

5/1/2019 | Posted in Interest Rates by Vanguard Realty
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The latest reading of Canada’s economy brings both good and bad news for the housing market. ... More

Canada GDP, Economic Growth, Household Debt, Interest Rates, Mortgages & Real Estate, Statistics Canada

Household debt to have knock-on effect upon banks, economy

4/29/2019 | Posted in Canadian Economy and Interest Rates by Vanguard Realty
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Canadians now owe an average of $1.79 for every dollar of disposable income. ... More

Bank of Canada, Bankruptcy, Canada, Canadian Banks, Household Debt, Insolvency, Interest Rates, NonMortgage Debt

Bank of Canada keeps rates steady, cuts language about future hikes

4/24/2019 | Posted in Interest Rates by Vanguard Realty
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Bank of Canada keeps rates steady, cuts language about future hikes. ... More

Bank of Canada, Bank of Canada Benchmark Rate, Household Debt, Interest Rates, Mortgage Consumers, Mortgages & Real Estate, NonMortgage Debt, Variable Rate Mortgages

Bank of Canada 'going nowhere' with interest rates into 2020: Economist

4/3/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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The Bank of Canada is likely to stand pat on interest rates for the remainder of this year and well into 2020, according to the chief economist of BMO Financial Group. ... More

Bank of Canada, Bank of Canada Benchmark Rate, Interest Rates, Mortgage Consumers, Mortgage Rates, Mortgages & Real Estate, Variable Rate Mortgages

Bank of Canada to hold interest rates through 2020: TD Securities

3/15/2019 | Posted in Interest Rates by Vanguard Realty
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The Bank of Canada will likely hold off raising interest rates through all of 2020, and could even cut rates later this year, according to TD Securities’ senior rates ... More

Bank of Canada, Bank of Canada Benchmark Rate, Household Debt, Interest Rates, Mortgage Consumers, Mortgage Trends, Mortgages & Real Estate, NonMortgage Debt, Variable Rate Mortgages

4 Alarming Records

3/12/2019 | Posted in Canadian Housing Market by Vanguard Realty
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Here are four record-breaking phenomena that suggest we have reached a real turning point in Canadian real estate. ... More

Canada Real Estate, Canadian Banks, Canadian Home Sales, Canadian Housing Market, Canadian Real Estate Market Outlook, Economic Growth, Home Buyers, Interest Rates, Mortgage Market, Mortgages & Real Estate, Stress Test

Canadian Housing Market This Bad Normally Means Recession: BMO

3/10/2019 | Posted in Canadian Economy and Housing Market by Vanguard Realty
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Residential investment is falling, and that's a clear sign of hard times in Canada's economy, the Bank of Montreal says. ... More

Bank of Canada, Canadian Housing Market, Canadian Real Estate Market Outlook, Economic Growth, Interest Rates, Stress Test

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