UNBIASED AND INDEPENDENT SINCE 2009
- 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
- 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
CMT News
- Brokers weigh benefits and trade-offs of Nova Scotia’s 2% down payment pilot February 12, 2026The province’s new program lets eligible first-time buyers purchase with just two per cent down through select credit unions, but brokers warn the trade-offs could limit flexibility and increase long-term costs.Andrew Seale
- Bank of Canada blames U.S. policy for ‘resurgence in uncertainty’ February 11, 2026The Bank of Canada’s governing council says recent U.S. actions on trade, foreign policy and central bank independence are making the world “more turbulent” and escalating uncertainty.Bloomberg
- Apartment and condo projects drive December jump in building permits February 11, 2026Stronger multi-unit construction pushed total permit values up 6.8% to $12.8 billion, while single-family building continued to soften.CMT Team
- CMHC outlook sees home sales picking up in 2026 but will remain subdued February 10, 2026The country's national housing agency says it expects home sales to pick up this year, though demand is forecast to remain below historical averages as the economy grows slowly.The Canadian Press
- S&P 500 hovers near record as weak data sets U.S. rate cut path February 10, 2026U.S. stocks advanced as investors examined the first of several key economic data releases this week in an attempt to find clues on the Federal Reserve’s interest-rate path.Bloomberg
- Average asking rents in Canada fall for 16th straight month: report February 9, 2026Asking rents in Canada fell two per cent year-over-year in January to an average of $2,057, marking the 16th consecutive month of annual rent decreases.The Canadian Press
- Quebec firms battle to retain foreign workers amid crackdown February 9, 2026From factory floors to city halls, a growing chorus is warning that the end of an immigration program in French-speaking Quebec may push many workers out of the country and leave employers struggling to fill jobs.Bloomberg
- Remembering Christine Buemann, a quiet force in Canada’s mortgage industry February 7, 2026Friends and colleagues reflect on the life, leadership and lasting influence of a broker, advocate and mentor who shaped the industry through empathy, generosity and purpose.Jared Lindzon
- Ontario review recommends expanding lender access for Level 1 mortgage agents February 6, 2026Finance ministry report adopts key industry recommendations and could expand where Level 1 agents can place insured mortgagesSteve Huebl
- Equitable Bank returns to prime lending with exclusive DLCG partnership February 6, 2026New Illuma brand offers insured high-ratio mortgages to select Dominion Lending Centres brokers, with a focus on speed and service.Jared Lindzon