The Bank of Canada (BoC) meets this Wednesday, and while most market watchers aren’t expecting the Bank to raise its overnight rate at this meeting there is still the...

Last Friday Statistics Canada released our latest employment report, for March.

Last week, Statistics Canada confirmed that our economic momentum slowed sharply in January as our GDP fell by 0.1% over the month. The drop was primarily attributed to sharp...

Last week Statistics Canada confirmed that year-over-year overall inflation growth spiked from 1.7% in January to 2.2% in February. At the same time, two of the three gauges...

Dave Larock in Interest Rate Update, Mortgages and Finances

When the Bank of Canada (BoC) met last week, it left its overnight rate unchanged, as expected.

The only real...

Dave Larock in Interest Rate Update, Mortgages and Finances

Last Thursday, seemingly out of the blue, President Trump announced that the U.S. would impose a 25% tariff on...

Dave Larock in Interest Rate Update, Mortgages and Finances

Our January inflation data have provided the latest fuel for the ongoing debate about when the Bank of Canada (BoC)...

Dave Larock in Interest Rate Update, Mortgages and Finances

After thirteen straight months of impressive gains, Canada’s labour market hit the brakes hard last month.

Our...

Dave Larock in Interest Rate Update, Mortgages and Finances

Last Friday U.S. bond yields surged higher as investors reacted to the release of a stronger-than-expected U.S....

Dave Larock in Interest Rate Update, Mortgages and Finances

The consensus continues to believe that the Bank of Canada (BoC) will raise its policy rate by another 0.50% to...

Dave Larock in Interest Rate Update, Mortgages and Finances

The Bank of Canada (BoC) raised its policy rate by 0.25% last week, and it now stands at 1.25%.

Lender prime rates...

Dave Larock in Interest Rate Update, Mortgages and Finances

In today’s post I offer my forecast for five-year variable rates in 2018. (FYI - You can read my forecast for...

Dave Larock in Interest Rate Update, Mortgages and Finances

Welcome back!

First off, I’d like to wish a very happy new year to my readers.

In today’s post I offer my forecast...

Dave Larock in Interest Rate Update, Mortgages and Finances

Dave Larock in Interest Rate Update, Mortgages and Finances

The Bank of Canada (BoC) left its policy rate unchanged last week, as expected.

In its accompanying statement the...

Dave Larock in Interest Rate Update, Mortgages and Finances

Last Friday Statistics Canada confirmed that our economy added a whopping 79,500 new jobs in November, and that...

Dave Larock in Interest Rate Update, Mortgages and Finances

On January 1, 2018, our regulators will implement a sixth round of mortgage rule changes as part of their ongoing...

Dave Larock in Interest Rate Update, Mortgages and Finances

Anyone keeping an eye on Canadian mortgage rates should pay close attention to our inflation data, which contain...

Dave Larock in Interest Rate Update, Mortgages and Finances

As of January 1, 2018, everyone who borrows from a federally regulated mortgage lender must qualify using the ...

Dave Larock in Interest Rate Update, Mortgages and Finances

Last week we received the Canadian employment data for October, which was better than expected.

Our economy added...

Dave Larock in Interest Rate Update, Mortgages and Finances

The Bank of Canada (BoC) left its policy rate unchanged last week, as expected. The Bank also sounded more cautious...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finance

In Part One of my four-part series covering our Department of Finance’s latest round of mortgage-rule changes, we...

Dave Larock in Interest Rate Update, Mortgages and Finance

In Part One of this series about the upcoming mortgage-rule changes, we focused on the first change that takes...

Dave Larock in Interest Rate Update, Mortgages and Finances

In Part One, we focused on the mortgage-rule change that will take effect on October 17, 2016. Today, in Part Two,...

Dave Larock in Interest Rate Update, Mortgages and Finances

** Update on the Mortgage Qualifying Rate stress-test that was to be implemented on Oct 17^th – The Department of...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Monday morning for analysis...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning for analysis that...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning (Tues on...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning (Tues on...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon morning (Tues on...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

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Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on thisblog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Editor's Note: The Interest Rate Update appears weekly on this blog - check back every Mon for analysis that is...

Dave Larock in Interest Rate Update, Mortgages and Finances

Dave Larock in Monday Interest Rate Update, Mortgages and Finances

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back every Mon for...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances

Dave Larock in Monday Interest Rate Update, Mortgages and Finances

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Dave Larock in Monday Interest Rate Update, Mortgages and Finances

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Dave Larock in Monday Interest Rate Update, Mortgages and Finances

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back every Mon for...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back every Mon for...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances

Dave Larock in Monday Interest Rate Update, Mortgages and Finances

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back every Mon for...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back every Mon for...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Monday Morning Interest Rate Update appears weekly on this blog - check back...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Mon Morning Interest Rate Update appears weekly on this blog - check back every...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Mon Morning Interest Rate Update appears weekly on this blog - check back every...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home Buying

Editor's Note: Mon Morning Interest Rate Update appears weekly on this blog - check back every...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home BuyingEditor's Note: Mon Morning Interest Rate Update appears weekly on this blog - check back every...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home BuyingEditor's Note: Mon Morning Interest Rate Update appears weekly on this blog - check back every...

Dave Larock in Monday Interest Rate Update, Mortgages and Finances, Home BuyingEditor's Note: Mon Morning Interest Rate Update appears weekly on this blog - check back every...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

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Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News  

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News 

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

Dave Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

This week we’ll focus on some recent currency-related news and look at...

David Larock in Monday Interest Rate Update, Mortgages and Finance, Home Buying, Toronto Real Estate News

Editor's Note: Dave's Monday Morning Interest Rate Update appears on...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Last week the U.S. Federal Reserve replaced its pledge to keep its policy rate in a range of 0.00...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

My ears are still ringing from the peal of celebratory trumpets that blared in response to the...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

“It’s tough to make predictions, especially about the future” - Yogi Berra.

Trying to predict the...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Last Friday Statistics Canada released its latest Consumer Price Index (CPI) and it showed prices...

David Larock in Mortgages and Finance, Toronto Real Estate News

Variable-rate mortgage discounts aren’t what they used to be and for that reason, I have tended to favour...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Now that the U.S. election is over, markets will shift their attention back to the European Union...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Statistics Canada recently changed the way it calculates key economic data to bring its methods...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

When the Bank of Canada (BoC) released its latest interest-rate statement last Tuesday it did not...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

When Bank of Canada (BoC) Governor Mark Carney speaks, the experts I read carefully parse his...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Last week was a slow one for new economic data so in today’s Update I’m taking a step back and...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Monthly employment reports should be closely monitored by anyone keeping an eye on mortgage rates...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Market bulls hoped that when U.S. Fed Chairman Ben Bernanke finally gave investors the...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

We started last week just hoping to dodge a German constitutional bullet but by the time it was...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Here are the three most important developments last week that related to Canadian mortgage rates:

...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

When U.S. Federal Reserve Chairman Ben Bernanke stepped to the podium at Jackson Hole last Friday...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

The week ahead will be an important one for anyone keeping an eye on mortgage rates because the...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Bank of Canada (BoC) Governor Mark Carney has made it clear that he wants to raise interest rates...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

To my surprise, Government of Canada (GoC) bond yields (on which our fixed-mortgage rates are...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

It was a strange week for Government of Canada (GoC) bond yields (on which our fixed-mortgage rates...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

When Spanish bond yields spiked to euro-zone record highs last week I wasn’t surprised to hear the...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

The Bank of Canada (BoC) left its overnight policy rate unchanged last week as expected. (Reminder:...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

The devil is always in the detail.

When Spain’s 100 billion euro bailout was finalized and the euro...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

I’ve got good news and bad news.

The good news is that the odds on our mortgage rates staying low...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Last week federal finance minister Jim Flaherty surprised real-estate market stakeholders by...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

While bond-market investors will be focused on the Greek election results this morning, they will...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

This week’s Update was going to focus on the latest employment report from Statistics Canada and...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

The current debate about the strength of the global economic recovery is pretty much over, at...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

When Bank of Canada (BoC) Governor Mark Carney recently warned market watchers that he believed...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

It’s time for the powers that be to pick our poison.

Do they keep short-term interest rates at...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

The global economic recovery is on a very tenuous footing. While determined optimists can string...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Last week was an interesting one for anyone keeping an eye on Canadian mortgage rates.

The Bank of...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

When the European Central Bank (ECB) injected more than US$1 trillion in cheap, three-year loans...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Statistics Canada released its latest employment report last Friday, and the data were a welcome...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

Last week the euro-zone finance ministers increased the size of the European Stability Mechanism...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

This week’s update will use an ‘around the horn’ format to highlight several interesting...

David Larock in Mortgages and Finance, Home Buying

Five-year Government of Canada (GoC) bond yields continued to surge higher last week so expect a fresh round of headlines...

David Larock in Mortgages and Finance, Home Buying

If you want to gauge the overall health of an economy, understanding employment trends is critical. Last week we received the...

David Larock in Mortgages and Finance, Home Buying

It’s time for another rate simulation but this time we’re going to change it up.

The age old fixed-versus-variable question...

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

David Larock in Mortgages and Finance, Home Buying, Toronto Real Estate News

If you want to look beyond the incendiary headlines about housing bubbles in Canada’s largest real...

David Larock in Mortgages and Finance, Home Buying

Fixed-term mortgage rates are on the rise.

This is primarily being caused by higher Government of Canada (GoC) five-year bond...

David Larock in Mortgages and Finance, Home Buying

Many people think that the differences in how lenders calculate fixed-rate mortgage penalties are a non-issue now that rates...

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

This quarter’s Mortgage Market Update is a good news/bad news story. I’m an optimist at heart so let’s start with the good...

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

When the calendar flips to a new year, many of us make resolutions to improve our lives. Judging by how busy the gyms get...

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

It’s been three months since we last ran scenarios that compare the potential costs of fixed vs. variable-rate five-year...

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

In a financial crisis, bond yields provide a real-time gauge of whether a country’s prospects are getting better or worse. If...

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

I suppose it was inevitable that some of the more aggressive U.S. lending practices would make their way north of the border...

David Larock in Mortgages and Finance, Home Buying

Last week’s headlines were dominated by the threat that Greece would put its acceptance of the euro zone’s bailout plan to a...

David Larock in Mortgages and Finance, Home Buying

David Larock in Mortgages and Finance, Home Buying

Like stock markets, economies are really only governed by two competing forces: fear and greed.

When greed dominates, money...