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- 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
- 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
CMT News
- Canada retail sales slow in third quarter as tariffs persist November 21, 2025Canadian consumer spending slowed in the third quarter as a painful trade war with the U.S. persisted and population growth continued to wind down.Bloomberg
- U.S. Treasuries rally as Fed’s Williams fuels rate-cut bets November 21, 2025Treasuries rallied and bond traders rushed back into bets on a December interest-rate cut after Federal Reserve of New York President John Williams signalled he’s open to lowering borrowing costs further.Bloomberg
- B.C. government ‘dashes’ out digital tool to help build homes faster November 21, 2025British Columbia is launching a free, new digital tool aimed at helping developers and non-profit organizations design and build prefabricated homes faster and more cost-efficiently.The Canadian Press
- A surge in mergers is reshaping the mortgage industry. Here’s what’s driving it November 20, 2025A look at the recent surge in mergers among alternative lenders and how funding pressures, regulation and competition are reshaping the market for brokers and borrowers.Jared Lindzon
- OSFI plans looser bank rules to boost business loans November 20, 2025Canada’s banking regulator is proposing to ease capital rules for certain corporate and real estate loans, aiming to fuel more business investment in the country.Bloomberg
- U.S. existing-home sales rose to eight-month high in October November 20, 2025Sales of previously owned homes in the U.S. rose in October to the fastest pace in eight months, as buyers took advantage of lower mortgage rates and gained the upper hand over sellers in some markets.Bloomberg
- Canadian mortgage delinquency rate falls for first time in three years: CMHC November 19, 2025Canada's housing agency says the number of homeowners behind on mortgage payments has fallen for the first time in three years, though delinquencies are still trending up in Ontario and British Columbia.The Canadian Press
- Bank of Canada warns on ‘vicious circle’ of weak productivity November 19, 2025The Bank of Canada said the country’s anemic productivity growth is a “systemic” problem, doubling down on its message to governments and businesses to urgently address the issue.Bloomberg
- Bloom introduces Canada’s first lifetime fixed-rate reverse mortgage November 19, 2025Bloom Finance has launched SafeRate, a reverse mortgage that lets older homeowners lock in a lifetime fixed rate, a first in Canada.Jared Lindzon
- Canadian first-time buyers are now among the oldest in the world November 18, 2025A new global study finds Canadians wait longer than most young buyers worldwide to enter the housing market.Steven Brennan