2/8/2019 | Posted in Canadian Housing Market by Vanguard Realty
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The country’s overall real estate market remains “vulnerable” despite an easing in overvaluation in cities like Toronto and Victoria in the third quarter, ... 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

  2/1/2019 | Posted in Canadian Housing Market by Vanguard Realty
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The Bank of Canada has admitted that the economic impact of strict mortgage regulations, local housing restrictions, and the upward trend in interest rates was more serious than ... More

Real Estate & Mortgage News

  1/30/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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News report had claimed Finance Minister was thinking about expanding rules, but he says he's not ... More

Real Estate & Mortgage News

  1/25/2019 | Posted in Mortgages and Real Estate by Vanguard Realty
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Canada is considering subjecting private lenders to the same mortgage stress test rules faced by banks to prevent housing markets from being destabilized by the lenders' rapid ... 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

  12/10/2018 | Posted in GTA Real Estate by Vanguard Realty
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Relatively tight market conditions in the GTA over the past few months have provided the foundation for renewed price growth, while data suggests that, in ... 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

  10/1/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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The Conservative Party of Canada plans to make the mortgage stress test a hot button issue in time for next year’s election, but explaining such a convoluted issue to ... More

Real Estate & Mortgage News

  5/16/2018 | Posted in Home Buyers by Vanguard Realty
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First-time home buyers already struggling with more stringent mortgage rules have been dealt another blow by an increase this week in the Bank of Canada’s five-year mortgage ... More

Real Estate & Mortgage News

  5/16/2018 | Posted in Canadian Housing Market by Vanguard Realty
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The decline in national home sales reported Tuesday by CREA is “disappointing” says TD Economics. ... More

Real Estate & Mortgage News

  5/9/2018 | Posted in Home Buyers by Vanguard Realty
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The bar is now higher for homebuyers to qualify for mortgages in Canada after the central bank raised a key metric used in stress tests that determine borrowers’ ... More

Real Estate & Mortgage News

  5/1/2018 | Posted in Home Buyers by Vanguard Realty
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The Canadian Imperial Bank of Commerce says it will raise its five-year fixed-rate mortgage rate Tuesday by 15 basis points. ... More

Real Estate & Mortgage News

  4/30/2018 | Posted in First Time Home Buyers by Vanguard Realty
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The home-purchasing power of ‘peak millennials’ aged 25-31 has diminished by around $40,103 (16.5%) since the introduction of the OSFI stress test at the start of ... More

Real Estate & Mortgage News

  4/27/2018 | Posted in Mortgage Interest Rates by Vanguard Realty
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Two of Canada's biggest banks are raising their benchmark rates for five-year, fixed-rate mortgages. ... More

Real Estate & Mortgage News

  3/9/2018 | Posted in Mortgages and Real Estate by Vanguard Realty
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The impact of the tightened mortgage rules introduced at the start of the year appears to be rising according to a recent report from RBC. ... More

Real Estate & Mortgage News

  12/25/2017 | Posted in Mortgages and Real Estate by Vanguard Realty
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It’s almost a tradition that Canada’s mortgage czars clamp down on housing in the new year, and 2018 is no exception. ... More

Real Estate & Mortgage News