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
- RBC acquires fintech company Pinch Financial, terms not immediately available March 12, 2026Royal Bank of Canada says it has acquired financial technology firm Pinch Financial Inc.Bloomberg
- National housing supply made strides in 2025 amid weak demand, condo struggles: CMHC March 12, 2026Canada's housing agency says the country made "meaningful" supply gains last year thanks to record rental construction and more “missing middle” type housing, however short-term imbalances remain for several markets.The Canadian Press
- Scotiabank lifts CEO’s pay 28% as strategy gets traction March 12, 2026Bank of Nova Scotia’s board gave Chief Executive Officer Scott Thomson a raise, with his overall compensation increasing to $13.2 million last year as he exceeded his target bonus.Bloomberg
- What happens when a private mortgage renews above 100% LTV? March 10, 2026Why some borrowers are turning to complex restructuring — including subordination agreements — and the risks that come with them.Ross Taylor
- Average asking rents fall for 17th straight month to $2,030 in February: report March 9, 2026Asking rents in Canada fell year-over-year for the 17th straight month in February to an average of $2,030.Steve Huebl
- As Canada’s population growth slows, an economic shift emerges March 9, 2026The effects of slowing population growth have started to show up in some sectors of the economy, more than a year after the federal government reduced its immigration targets.The Canadian Press
- Laurentian Bank slips to loss as mortgage book shrinks March 8, 2026Residential book declines amid softer housing activity while commercial lending expands as the bank pushes ahead with its transformation strategyCMT Team
- From rent hikes to damages: Understanding the basics of rental agreements March 8, 2026Every province and territory has already done the heavy lifting of what’s legal, and what’s not, in rental agreements. Your job is to learn about it.The Canadian Press
- Ottawa office market experts left in the dark over feds’ return-to-work needs March 6, 2026Ottawa real estate watchers are calling on the federal government to be more clear about its workspace needs as public servants prepare to spend more time in the office.The Canadian Press
- Sub-6% U.S. mortgage rates vanish as Iran war sparks inflation fears March 6, 2026U.S. homebuyers had to act fast last week to nab the first sub-6% mortgage rates in more than three years. Now they’re up, and the new conflict in the Middle East threatens to nudge them higher.Bloomberg