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- Ask the mortgage expert: how Canada’s self-employed can unlock homeownership November 4, 2025For too long, Canada’s self-employed have faced a maddening paradox. The very financial strategies that prove your business savvy—like maximizing deductions to lower your taxable income—often become the biggest roadblocks … Continue Reading Ask the mortgage expert: how Canada’s self-employed can unlock homeownershipSteve Garganis
- The Condo Carnage Is Real.. but is it over? October 6, 2025Let’s call this what it is: a day of reckoning. The great Canadian condo delusion, a mass psychosis fueled by cheap money and a fear of missing out, is over. … Continue Reading The Condo Carnage Is Real.. but is it over?Steve Garganis
- Our Leaders Are Rolling Up Their Sleeves… To Wave the White Flag September 30, 2025Another week, another series of baffling decisions from Ottawa that leave you wondering what reality our leaders are living in. On September 17th, the Bank of Canada, in a move … Continue Reading Our Leaders Are Rolling Up Their Sleeves… To Wave the White FlagSteve Garganis
- The $13 Billion Question: Will Ottawa’s “Build Canada Homes” Fix Our Broken Housing Market, or Just Build More Problems? September 26, 2025Another week, another blockbuster announcement from Ottawa aimed at solving our national housing crisis. This time, it’s a shiny new federal agency dubbed “Build Canada Homes,” launched with a cool … Continue Reading The $13 Billion Question: Will Ottawa’s “Build Canada Homes” Fix Our Broken Housing Market, or Just Build More Problems?Steve Garganis
- The speed Discharge: Bankruptcy wins over Consumer proposal August 8, 2025In the world of debt relief, two primary options often come to mind: consumer proposals and bankruptcy. While both offer a path to financial freedom, they differ significantly in their … Continue Reading The speed Discharge: Bankruptcy wins over Consumer proposalSteve Garganis
- Refinance today before you can’t tomorrow August 5, 2025Alright, let’s talk mortgages. Because right now, for a lot of Canadians, that word “mortgage” isn’t exactly synonymous with “sweet dreams and financial freedom.” No, for far too many, it’s … Continue Reading Refinance today before you can’t tomorrowSteve Garganis
- Ask the Mortgage Expert: Why this could be your window of opportunity into Canadian real estate July 17, 2025The Canadian real estate market, as we all know, has been a rollercoaster. We’ve seen the highs, the wild bidding wars, and then the cooling period as interest rates climbed. … Continue Reading Ask the Mortgage Expert: Why this could be your window of opportunity into Canadian real estateSteve Garganis
CMT News
- Inside the Neighbourhood–Fisgard acquisition: How two B.C. rivals are now a national alt-lending powerhouse November 8, 2025The $800-million deal brings together Neighbourhood’s tech-driven platform and Fisgard’s decades of investor relationships, creating one of the largest non-bank lenders in Canada.Jared Lindzon
- October job gains bolster case for a Bank of Canada rate pause November 7, 2025The addition of 67,000 jobs and a dip in the unemployment rate to 6.9% gives the Bank of Canada room to hold rates steady next month, economists say.Brett Surbey
- Canada employment rises by 66,600, jobless rate dips to 6.9% November 7, 2025The Canadian economy added 66,600 jobs in October, marking a second consecutive month of surprise employment gains as tariffs otherwise slow down economic activity.Bloomberg
- Sagen sees earnings dip, offset by stronger mortgage insurance growth November 7, 2025Mortgage insurer Sagen’s premiums climbed 32% from last year as lower rates fuel housing demand, but softer investment income pulled net earnings down to $119 million.CMT Team
- Average asking rents fall for 13th straight month to $2,105 in October: report November 7, 2025Asking rents in Canada were down 2.2% in October from a year earlier to an average of $2,105, marking the 13th straight month of annual declines.The Canadian Press
- Exclusive: Home Trust back in the prime lending space with relaunch of Accelerator November 6, 2025The relaunch follows Home Trust’s 2023 exit from the prime market and comes after First National’s privatization removed regulatory barriers to its securitization activity.Steve Huebl
- Homebuilders bet on 1% mortgage rates to wake up U.S. buyers November 6, 2025With the average mortgage rate near 6%, U.S. homebuyers are looking at the most affordable monthly payments in a year. But San Antonio real estate agent Tavyn Weyman knows how to get them lower — much lower.Bloomberg
- U.S. median first-time homebuyer age now at record-high of 40 November 6, 2025The median age of first-time homebuyers in the U.S. has climbed to a record of 40 as soaring prices and mortgage rates over the last few years delay homeownership for millions of Americans.Bloomberg
- N.S. NDP leader becomes housing critic, says government doing nothing to solve crisis November 6, 2025Nova Scotia’s Opposition leader has taken on the role of housing critic to draw attention to the province’s housing crisis and what she says is the provincial government’s lack of interest in a top-of-mind problem.The Canadian Press
- Questrade secures bank licence, paving way for possible mortgage expansion November 5, 2025Questbank’s launch signals the online brokerage’s biggest expansion yet, and could shake up Canada’s retail lending marketCMT Team