UNBIASED AND INDEPENDENT SINCE 2009
- House Poor is Out. “Kid Poor” is In. February 12, 2026Why the cost of modern parenting is drowning families—and how to be the adult in the room to fix it. This is an article I began writing 8 months ago. … Continue Reading House Poor is Out. “Kid Poor” is In.Steve Garganis
- Ask the mortgage expert: How to buy a home in 2026, between budgets, builders, and opportunities February 11, 2026Every year, homebuyers across Canada hold out for the silver bullet—a policy change that will suddenly make the path to homeownership clearer. From tax reforms to supply-side stimulus, the landscape … Continue Reading Ask the mortgage expert: How to buy a home in 2026, between budgets, builders, and opportunitiesSteve Garganis
- Canada Housing disaster 2025: The Great Canadian Shell Game February 3, 2026If you’ve been waiting for a miracle in the Canadian housing market, I hope you like waiting. Despite the “bold” headlines coming out of Ottawa and the provinces, the average … Continue Reading Canada Housing disaster 2025: The Great Canadian Shell GameSteve Garganis
- Stop Bleeding Cash: Why Your Mortgage is the Ultimate Financial Power Tool January 12, 2026Let’s have an honest conversation about the financial squeeze many Canadians are feeling right now. Prices are up at the pump, at the grocery store, and certainly in utility bills. … Continue Reading Stop Bleeding Cash: Why Your Mortgage is the Ultimate Financial Power ToolSteve Garganis
- Ask the Expert: The homeowner’s debt dilemma — should you go Bankruptcy or Consumer Proposal? November 21, 2025If you’re a homeowner facing the crushing weight of debt, you’re probably aware the two most dramatic debt resolution solutions: Bankruptcy and Consumer Proposal (CP). A Consumer Proposal is often recommended because it … Continue Reading Ask the Expert: The homeowner’s debt dilemma — should you go Bankruptcy or Consumer Proposal?Steve Garganis
- 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
CMT News
- Macklem Says Bank of Canada to move to central repo clearing March 4, 2026Governor Tiff Macklem announced that the Bank of Canada would start central clearing of repo markets as he outlined downside risks to the country’s financial system.Bloomberg
- Immigration could soon account for all of Canada’s population growth: expert March 4, 2026With Canada's population growth now essentially flat, the country could be heading toward an unprecedented situation where population growth is driven entirely by immigration, one expert says.The Canadian Press
- Mortgage rule changes are expanding insured market activity, insurers say March 4, 2026Mortgage insurers say recent federal policy changes are giving first-time buyers more purchasing power, even as broader housing market conditions remain uneven.Steve Huebl
- Vancouver home transactions down in February as sellers holding off: board March 4, 2026Vancouver-area home sales continued at slower pace last month compared to last year as prices were also lower.The Canadian Press
- Calgary home sales fall 11% in February as condo oversupply weighs on prices March 4, 2026Home sales declined year over year as rising inventory and weaker condo demand pulled prices lower across much of the market.CMT Team
- The easiest deals brokers are missing right now — and why they don’t start at renewal March 2, 2026The biggest commission opportunities this cycle may not sit at renewal. For some borrowers who locked in near peak rates, the math is starting to change.Dan MacDonald
- Another rent strike brewing in Toronto as landlord seeks retroactive increase March 2, 2026Residents of a west-end Toronto apartment building say they will be going on a rent strike to protest the landlord's application for a retroactive 2025 rent increase that would amount to more than five per cent.The Canadian Press
- Canadian economy shrinks 0.6% in fourth quarter as inventory drops February 27, 2026The Canadian economy ended the year on a softer note as a sharp decline in business inventories drove down real gross domestic product by an annualized 0.6% in the fourth quarter.Bloomberg
- Alberta’s deficit to more than double, hit by oil price drop February 27, 2026Alberta, Canada’s main oil-producing province, is projecting its budget deficit will more than double in the coming fiscal year after softer crude prices coincided with a surge in population to strain public finances.Bloomberg
- Peak renewal year dominates discussion as MPC kicks off national symposium tour February 26, 2026After launching in Ottawa, the seven-city tour moves to Toronto on March 3, where themes will include renewal strategy and the evolving risk and regulatory landscape.Steve Huebl