10/21/2019 | Posted in Canadian Economy and Interest Rates by Vanguard Realty
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The cost of living was higher across many products and services in September. ... More

Real Estate & Mortgage News

  10/10/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Canada’s outstanding mortgage credit load continues breaking records, reaching a new high of more than $1.59 trillion as of August, according to the country’s central ... More

Real Estate & Mortgage News

  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

Real Estate & Mortgage News

  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

Real Estate & Mortgage News

  7/18/2019 | Posted in Mortgage Interest Rates by Vanguard Realty
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Those renewing or about to renew their mortgages can breathe a sigh of relief: The era of higher interest rates appears to have been short-lived. ... More

Real Estate & Mortgage News

  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

Real Estate & Mortgage News

  6/11/2019 | Posted in Mortgage Interest Rates by Vanguard Realty
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Canadian mortgage rates have already tumbled in recent months and more discounts could be on the way for homebuyers, a according to a new forecast. ... More

Real Estate & Mortgage News

  6/11/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Canada’s top federal banking regulator says a stress-test for uninsured mortgages is “working,” but that it is still keeping an eye on lending practices. ... More

Real Estate & Mortgage News

  5/9/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Bank of Canada Governor Stephen Poloz suggested that lenders should encourage mortgage products with longer terms as a means of distributing risk more evenly and insulating the ... More

Real Estate & Mortgage News

  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

Real Estate & Mortgage News

  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

Real Estate & Mortgage News

  2/22/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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The B-20 mandated stress test is already outdated considering current market realities, according to a real estate firm head. ... More

Real Estate & Mortgage News

  2/6/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Canada’s banking regulator defended tougher mortgage underwriting rules blamed recently for a slump in the nation’s housing market, but left open the possibility that ... More

Real Estate & Mortgage News

  2/5/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Residential mortgage growth rose 3.1 per cent to $1.55 trillion in December from a year earlier, the slowest pace since May 2001, and half the growth rate from two years ago, ... More

Real Estate & Mortgage News

  12/14/2018 | Posted in Mortgage Interest Rates by Vanguard Realty
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Just a few months ago economists were predicting that the Bank of Canada would take a bullish stance on interest rates following its talk of ‘normalization’ of the ... More

Real Estate & Mortgage News

  12/14/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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New B-20 rules have created an uneven playing field because stress tests don't apply to people renewing mortgages with their current lender ... More

Real Estate & Mortgage News

  12/6/2018 | Posted in Mortgage Interest Rates by Vanguard Realty
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If you’re shopping for a mortgage and believe what the bond market is telling us, it implies your odds of success with a fixed rate may have just changed. ... More

Real Estate & Mortgage News

  11/30/2018 | Posted in Mortgage Interest Rates by Vanguard Realty
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The Bank of Canada should hold pat on interest rates until the spring according to The C.D. Howe Institute's Monetary Policy Council. ... More

Real Estate & Mortgage News

  11/14/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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The bank says stress tests and higher interest rates have reduced the share of new high-leverage, insured loans to six per cent from 20 per cent in late 2016. ... More

Real Estate & Mortgage News

  11/6/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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As Canadian mortgages come up for renewal, many households are starting to experience what TD Economics has dubbed a “completely new phenomenon” – higher ... More

Real Estate & Mortgage News

  11/5/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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Updated numbers from the Bank of Canada showed that the balance of insured mortgage debt suffered its largest decline in history. ... More

Real Estate & Mortgage News

  10/5/2018 | Posted in Mortgage Interest Rates by Vanguard Realty
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Homeowners could be facing two interest rate rises in the coming months according to an updated forecast by CIBC. ... More

Real Estate & Mortgage News

  9/20/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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With new mortgage rules and higher interest rates putting the squeeze on Canadian homebuyers, some have found a new approach: Get the parents (or grandparents) to bankroll your ... More

Real Estate & Mortgage News

  9/13/2018 | Posted in Real Estate News by Vanguard Realty
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Canada’s mortgage industry saw slowing growth in the second quarter of 2018 as stress tests and rising interest rates made an impact. ... More

Real Estate & Mortgage News

  8/15/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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There was a slight decline in the volume of new mortgage loans in 2017 according to an analysis of consumer credit data from CMHC. ... More

Real Estate & Mortgage News

  7/16/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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Canadians divided, even as interest rates appear set to rise according to a recent CIBC poll. ... More

Real Estate & Mortgage News

  7/12/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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As the Bank of Canada raised key interest rates to 1.5 per cent (up from 1.25 per cent) Wednesday morning, mortgage rates are already rising as well. ... More

Real Estate & Mortgage News

  6/26/2018 | Posted in GTA News by Vanguard Realty
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A recent analysis showed the waning popularity of traditional mortgages among would-be home buyers in the Greater Toronto Area, with originations of traditional lenders (such as ... More

Real Estate & Mortgage News

  6/14/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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Mortgage borrowing fell $2 billion to $13.7 billion in the first quarter of this year, the lowest level since the second quarter of 2014 according to Statistics Canada ... More

Real Estate & Mortgage News