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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
- BoC expected to hold in December as GDP improves—but underlying weakness lingers November 28, 2025Stronger-than-expected GDP data supports a December rate hold from the Bank of Canada, but economists warn underlying weakness remains.Brett Surbey
- Ontario takes control of real estate council after audit identifies issues November 28, 2025The Ontario government is taking control of the province's real estate regulator after an audit found issues with its practices and organizational culture.The Canadian Press
- Key living-standard stat in Canada on better path after revisions November 28, 2025A key measure of Canadian living standards has improved after the country’s statistical agency revised up the size of the economy.Bloomberg
- U.S. mortgage rates dip slightly, sending 30-year loans to 6.23% November 28, 2025Mortgage rates fell after three weeks of increases, giving prospective buyers some relief from price pressures.Bloomberg
- Canada’s economy rebounds sharply on military, housing November 28, 2025The Canadian economy rebounded sharply from the initial damage of the trade war as the country’s growth drivers shifted to housing and government spending.Bloomberg
- Foreign investment in Canada falls to lowest since start of ‘24 November 28, 2025Foreign direct investment into Canada fell in the third quarter, reaching the lowest level in a year and a half.Bloomberg
- Newton launches CRA income verification tool for brokers November 27, 2025Newton will be releasing a new tool called VerifyCRA, offering brokers secure CRA document retrieval in under 48 hours — addressing one of the most persistent delays in the mortgage application process.Jared Lindzon
- Loanova prepares to launch Canada’s first fractional mortgage platform November 27, 2025The tech-driven startup plans to let everyday investors buy small stakes in syndicated mortgages, while helping borrowers who don’t qualify for traditional bank financing.Jared Lindzon
- More Canadians missing non-mortgage debt payments: Equifax November 26, 2025Equifax Canada says the number of consumers missing a non-mortgage debt payment in the third quarter rose compared with a year ago.The Canadian Press
- Housing market expected to rebound in 2026 as more buyers motivated: Re/Max forecast November 26, 2025Strong demand among potential homebuyers and built up inventory could pave the way for a sales rebound in 2026 after a roller-coaster year plagued by economic uncertainty.The Canadian Press