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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’s largest provinces score worst on housing policies and outcomes, report says December 11, 2025A new report says Canada's three largest provinces are lagging behind the rest of the country when it comes to policies and outcomes aimed at tackling the housing crisis.The Canadian Press
- Rent growth slowed in 2025 as national vacancy rate continued to rise: CMHC December 11, 2025Canada's housing agency says the pace of rent growth ticked lower this year as vacancies continued rising, while increased rental supply also contributed to softer market conditions.The Canadian Press
- Amount Canadians owe relative to income continued to tick higher in third quarter December 11, 2025Statistics Canada says the amount Canadians owe relative to their income climbed higher for the fourth consecutive quarter.The Canadian Press
- B.C. Housing Minister Boyle rejects calls for repeal of high-density housing laws December 11, 2025A coalition of municipalities in British Columbia is calling on the province to repeal housing legislation designed to increase supply through higher density, but the housing minister says there's no going "backward."The Canadian Press
- U.S. trade deficit unexpectedly shrinks to smallest since 2020 December 11, 2025The U.S. trade deficit unexpectedly narrowed in September to the smallest since mid-2020 as exports surged.Bloomberg
- Lowest mortgage rates rise above 4% as bond yields surge December 11, 2025A sharp rise in bond yields has pushed fixed mortgage rates higher, undoing weeks of declines and signalling a stubborn pricing floor for borrowers.Jared Lindzon
- Canada records goods trade surplus for first time since January December 11, 2025Canada recorded a merchandise trade surplus for the first time since January as exports rebounded sharply and imports declined.Bloomberg
- Cowichan case blamed for sinking B.C. property deals, including luxury hotel purchase December 11, 2025An Ontario company that put down a deposit to buy a luxury hotel in Richmond, B.C., pulled out of the deal worth tens of millions of dollars weeks later because of "uncertainty" caused by the landmark Cowichan Tribes Aboriginal title ruling, according to the marketers of the property.The Canadian Press
- Ex-Pimco manager Devlin bets on steeper yield curve in U.S., Canada December 10, 2025Fund manager Devlin Capital Inc. is getting ready for further steepening in the yield curve in North America’s two largest economies as governments run large budget deficits to pay for tax cuts, military projects and other priorities.Bloomberg
- Fed cuts rates with three dissents, projects one cut in 2026 December 10, 2025Federal Reserve officials delivered a third consecutive interest-rate reduction and maintained their outlook for just one cut in 2026.Bloomberg