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- Ask the mortgage expert: What a U.S. Fed rate hike could imply for Canadian mortgage rates October 5, 2026When the U.S. Federal Reserve (Fed) raised rates on September 16, 2026, media headlines went into overdrive speculating whether the Bank of Canada (BoC) would follow suit. If you want … Continue Reading Ask the mortgage expert: What a U.S. Fed rate hike could imply for Canadian mortgage ratesSteve Garganis
- Real Estate, Interest Rates, and Market Reality: Why It’s Time to Take a Deep Breath August 6, 2026Lately, whenever I talk to clients, friends, or family across Ontario, I hear the same thing: people are anxious. They’re worried about where interest rates are going, what their homes … Continue Reading Real Estate, Interest Rates, and Market Reality: Why It’s Time to Take a Deep BreathSteve Garganis
- Ask the mortgage expert: Is now a good time to buy a cottage in Canada? (2026) July 7, 2026Following the herd rarely gets you the best deal is one thing I have learned through almost four decades in the mortgage and real estate industry. When everyone is rushing … Continue Reading Ask the mortgage expert: Is now a good time to buy a cottage in Canada? (2026)Steve Garganis
- Mortgage Expert alert: Why Canadian housing seems unaffordable in 2026: A 35-year real estate disconnect June 4, 2026The dream of home ownership in Canada appears distant in today’s mathematical reality. Housing costs account for nearly 30% of household income. Older generations survived 12–18% interest rates in the … Continue Reading Mortgage Expert alert: Why Canadian housing seems unaffordable in 2026: A 35-year real estate disconnectSteve Garganis
- The Wake-Up Call: What a Carney Majority Actually Means for You April 22, 2026(The Tax Squeeze, The Delusion, and The Multi-Trillion Dollar Gamble) Most Canadians were simply too busy trying to keep their heads above water to notice what was happening right under … Continue Reading The Wake-Up Call: What a Carney Majority Actually Means for YouSteve Garganis
- Part 2: Beating the Math: How Buyers Can Win in a Broken Mortgage Market April 21, 2026(click here to read Part 1: Breathing the Math: Why Politicians are failing Canadians and what you can do.) If you are a first-time buyer trying to get into today’s … Continue Reading Part 2: Beating the Math: How Buyers Can Win in a Broken Mortgage MarketSteve Garganis
- Part 1: Beating the Math: Why Politicians Are Failing Homebuyers and What you can do. April 20, 2026If you are trying to buy a house in Canada right now, the math is completely broken. Instead of treating the root causes of the housing crisis, politicians are serving … Continue Reading Part 1: Beating the Math: Why Politicians Are Failing Homebuyers and What you can do.Steve Garganis
CMT News
- What reverse mortgage lenders want brokers to know October 23, 2026Lenders share advice on identifying potential clients, addressing common misconceptions and helping older homeowners navigate their borrowing options.Jared Lindzon, Senior CMT writer
- Lenders bullish on broker growth in 2027, MPC panel hears October 22, 2026Executives at MPC's national conference outlined ambitious growth plans despite an uneven housing market, while highlighting AI investments, funding pressures and growing competition for customers.Steve Huebl
- Ontario housing market set for modest rebound in 2027: Desjardins report October 21, 2026A new report says Ontario's housing market is expected to improve "modestly" next year as favourable economic conditions help push buyers off the sidelines, though higher borrowing costs could dull the extent of the rebound.The Canadian Press
- Carney’s housing agency vows to build as home prices plunge October 21, 2026In Canada, home prices have plunged 20% and thousands of unsold condominiums sit empty. The head of Prime Minister Mark Carney’s housing agency says this is precisely the moment to build.Bloomberg
- Celebrating Canada’s 2026 Mortgage Hall of Fame inductees October 21, 2026Three mortgage industry leaders were honoured at this year’s National Mortgage Conference in Calgary, recognizing their decades of leadership, achievements and contributions to Canada’s mortgage industry.Jared Lindzon, Senior CMT writer
- Home prices could stabilize in 2027 as mortgage rates near peak: National Bank October 21, 2026National Bank’s Stéfane Marion says slowing population growth and higher borrowing costs are weighing on housing, but stronger business investment could help revive demand.CMT Team
- Mortgage renewal coming up? Start early and look beyond the rate, brokers say October 20, 2026Homeowners may be tempted to take the mortgage rate offered in a renewal letter, but savvy borrowers see it as the start of a negotiation process that could lead to big savings.The Canadian Press
- Bank of Canada hike bets grow among economists, traders October 19, 2026More economists and traders expect the Bank of Canada to hike interest rates next week after the central bank’s latest surveys showed inflation expectations rising.Bloomberg
- BOC surveys show higher inflation expectations, passthrough October 19, 2026Bank of Canada surveys showed inflation expectations moving higher, and more evidence that firms plan to pass on higher input costs to customers.Bloomberg
- AI-powered mortgage lender Northguard Financial to launch in 2027 October 19, 2026Led by Paradigm and MERIX founding CEO Katherine Gregory, the broker-focused lender plans AI-powered underwriting, a broad range of mortgage products and a national rollout.Steve Huebl