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- Ask the mortgage expert: What a U.S. Fed rate hike could imply for Canadian mortgage rates October 5, 2026When the U.S. Federal Reserve (Fed) raised rates on September 16, 2026, media headlines went into overdrive speculating whether the Bank of Canada (BoC) would follow suit. If you want … Continue Reading Ask the mortgage expert: What a U.S. Fed rate hike could imply for Canadian mortgage ratesSteve Garganis
- Real Estate, Interest Rates, and Market Reality: Why It’s Time to Take a Deep Breath August 6, 2026Lately, whenever I talk to clients, friends, or family across Ontario, I hear the same thing: people are anxious. They’re worried about where interest rates are going, what their homes … Continue Reading Real Estate, Interest Rates, and Market Reality: Why It’s Time to Take a Deep BreathSteve Garganis
- Ask the mortgage expert: Is now a good time to buy a cottage in Canada? (2026) July 7, 2026Following the herd rarely gets you the best deal is one thing I have learned through almost four decades in the mortgage and real estate industry. When everyone is rushing … Continue Reading Ask the mortgage expert: Is now a good time to buy a cottage in Canada? (2026)Steve Garganis
- Mortgage Expert alert: Why Canadian housing seems unaffordable in 2026: A 35-year real estate disconnect June 4, 2026The dream of home ownership in Canada appears distant in today’s mathematical reality. Housing costs account for nearly 30% of household income. Older generations survived 12–18% interest rates in the … Continue Reading Mortgage Expert alert: Why Canadian housing seems unaffordable in 2026: A 35-year real estate disconnectSteve Garganis
- The Wake-Up Call: What a Carney Majority Actually Means for You April 22, 2026(The Tax Squeeze, The Delusion, and The Multi-Trillion Dollar Gamble) Most Canadians were simply too busy trying to keep their heads above water to notice what was happening right under … Continue Reading The Wake-Up Call: What a Carney Majority Actually Means for YouSteve Garganis
- Part 2: Beating the Math: How Buyers Can Win in a Broken Mortgage Market April 21, 2026(click here to read Part 1: Breathing the Math: Why Politicians are failing Canadians and what you can do.) If you are a first-time buyer trying to get into today’s … Continue Reading Part 2: Beating the Math: How Buyers Can Win in a Broken Mortgage MarketSteve Garganis
- Part 1: Beating the Math: Why Politicians Are Failing Homebuyers and What you can do. April 20, 2026If you are trying to buy a house in Canada right now, the math is completely broken. Instead of treating the root causes of the housing crisis, politicians are serving … Continue Reading Part 1: Beating the Math: Why Politicians Are Failing Homebuyers and What you can do.Steve Garganis
CMT News
- AI is making mortgage fraud harder to spot, Equifax warns October 13, 2026Equifax’s head of fraud and identity explains why falling reported mortgage fraud rates may not tell the full story—and how brokers can help flag suspicious applications.Jared Lindzon, Senior CMT writer
- MPC urges Ottawa to move ahead with CRA income verification October 13, 2026The association renewed its call for a secure income verification tool and backed expanded mortgage funding capacity and insurance eligibility for properties with up to eight units.CMT Team
- CMT Mortgage Digest: Higher rates, weaker hiring & shifting housing markets October 12, 2026Your weekly roundup of mortgage and housing news, plus the key releases to watch in the days ahead.CMT Team
- Bond selloff may mean fewer rate hikes from global central banks October 12, 2026Bond markets are starting to do some of the lifting for central banks around the world by pushing up borrowing costs themselves, potentially reducing the number of benchmark interest-rate hikes needed to get inflation under control.Bloomberg
- Montreal mayor says city will offer 3,000 spots in emergency shelters for unhoused October 12, 2026Montreal Mayor Soraya Martinez Ferrada said the city is planning to provide about 3,000 spots in emergency shelters to address what she calls the biggest humanitarian crisis the city is facing: homelessness.The Canadian Press
- Hamilton to pilot bylaw to protect downtown renters from extreme indoor heat October 12, 2026Landlords in downtown Hamilton will soon face new requirements to protect renters from stifling indoor summer temperatures after local councillors backed a first-of-its-kind pilot in Ontario.The Canadian Press
- Canadian employment falls by 68,300 amid public sector decline October 9, 2026Employment in Canada fell by 68,300 last month, more than erasing previous job gains this year as the trade war with the U.S. drags on.Bloomberg
- OSFI warns AI could amplify cyber and technology risks for lenders October 8, 2026The regulator says oversight and cyber defences need to keep pace as financial institutions adopt more advanced AI.CMT Team
- Ottawa unveils $2-billion home retrofit plan October 8, 2026New heat-pump rebates and financing for apartment upgrades follow last year’s closure of the Canada Greener Homes Loan.CMT Team
- Ottawa reviews foreign homebuyer ban as 2027 expiry approaches October 7, 2026Finance Minister François-Philippe Champagne says the federal government is mulling its options ahead of the expiry of Canada’s foreign homebuyers ban at the end of the year.Bloomberg