How Will Canadian Mortgage Rates Be Impacted by New US Rate Timetable?
The US Federal Reserve has moved up its projected increases up from 2023 to 2024 as debate over inflationary pressures continues.
The US Federal Reserve has moved up its projected increases up from 2023 to 2024 as debate over inflationary pressures continues.
Latest economic data suggests Canadian mortgage rates will hold steady.
With even experts mixed on where inflation will go, mortgage holders should dig into the debate to decide for themselves.
Out catching rays? Here's a quick catch-up on key news that relates to your mortgage.
The inflation bogeyman has arrived - but does that mean higher mortgage rates?
Lower Canada jobs numbers could be attributed to our continued lockdowns - but why is the US jobs recovery also lagging amidst high vaccination rates?
In spite of the BoC's most recent statement signalling earlier rate hikes, variable rate mortgage borrowers may not want to lock in just yet.
Is the Bank of Canada shifting away from rates staying ultra low - and should mortgage borrowers lock in now?
These are tumultuous times for both Canadian mortgage rates and real estate.
Canada banking regulator tries to cool rising house prices as of June 1st - but are they taking the right approach?
It's easy to blame interest rates for Canada's current housing unaffordability, but housing policy makers could do more amidst a pandemic-economic crisis.
In a rare week of no new Canada mortgage news, it's a good opportunity to make sure your mortgage planning is in tune with current realities.
Where will things go in the ongoing fight between the central banks and the bond market - and what should mortgage borrowers do?
Where will things go for variable and fixed rate mortgage borrowers?
With fixed rates rising, should you be changing your game plan?
Sometimes inflation fears cause more inflation, but there are signs this spike in Canada is temporary.
Five-year fixed mortgage rates are on the way up in response to the growing consensus belief that US inflationary pressures will rise quickly.
Happy Family Day to Move Smartly Readers! Here's a review of top mortgage tips for 2021.
While lockdowns have lowered infection rates and saved lives, it has negatively impacted our economic momentum and will ultimately add to the time needed for our society to...
We are in the middle of a race between the virus and the cure, and both the timing and the outcome are still very much in question. The direction of mortgage rates depend on...
Five insights into the Bank of Canada's optimistic forecast due to falling infection rates and large-scale vaccinations, and what that means for your mortgage.
We're in for a tough winter but there's hope. Forecasters expect our economy to rebound robustly and inflation to surge, as consumers spend the cash they saved during the...
How COVID's second wave will impact unemployment and overall business, increasing the likelihood for another Bank of Canada rate cut.
Happy New Year to Move Smartly Readers! Here's a look at the current consensus forecast and the fixed and variable mortgage rates for the year ahead.
A very Happy Holidays to Move Smartly Readers! Here's a review of top mortgage tips to take you into 2021 given the crazy year that was.
How concerns about the Canadian dollar rising against its U.S. counterpart may affect our mortgage rates going forward.
These are the key factors that will impact Canadian mortgages and rates going forward.
Why predictions of a quick resolution to the pandemic - and rising mortgage rates - may be premature.
Bond yields, which fixed mortgage rates are based on, have recently surged, but is this just a blip?
With a slowing job recovery and Covid resurgent, mortgage rates are likely to fall further - here's how to take advantage.
With the Bank of Canada keeping its policy low last week and until 2023, the fixed vs. variable debate is an unusually one-sided one right now.
Why inflationary pressures will do little to impact our declining mortgage rates.
Will financial markets remain confident in Canadian real estate as the BoC winds up and keep our mortgage rates at their present lows?
Why we are not out of the Sugar Maples by a long shot.
While initial numbers have been encouraging, the recovery is now proving to as sluggish as predicted.
Essential fall reading to ensure your mortgage is on the right track.
Given current central bank policy in Canada and the U.S., will variable rate mortgages stay lower than fixed rates over the next five years?
Last Wednesday the Bank of Canada (BoC) announced that it would hold its policy rate steady, as was universally expected.
While good job numbers normally mean rising mortgage rates, our economy is still far from normal.
If you want to know where mortgage rates are headed, inflation holds the key.
Why is the head of the Canadian Mortgage and Housing Corporation (CMHC) going his own way amidst an economic crisis?
Canadian mortgage rates have been on a wild ride of late.
COVID-19 is redefining the world as we know it.
Strong jobs numbers in May and June mean little against the backdrop of unprecedented job and income loss due to COVID-19.
Calculators, links and info you need to make the best decisions for you.
The Bank of Canada joins those forecasting a prolonged and difficult economic road ahead.
If you need a mortgage soon, your goal should be to maintain flexibility in case rates continue to fall.
The spring real estate market is showing signs of life - and the usual big bank low rate teaser.
Not all mortgage lenders will implement CMHC's tighter rules, opening the door to more competition.
Last week, the CMHC's CEO had a surprising suggestion.
It's Week 10 - here's a recap of tips to manage your mortgage.
The pandemic-induced economic slowdown will lower mortgage rates - but how low will they go?
These five factors will help you figure out whether you'd come out ahead.
In spite of rate cuts and more aggressive measures, mortgage rates haven't lowered - until now.
The Bank has acted aggressively to counter the economic shocks induced by the Coronavirus and the decline of oil - and their efforts to lower mortgage rates may finally be...
The economic fallout of the coronavirus crisis is making mortgage lenders seize up - and two main factors will determine how cautious they'll be: house prices and job losses.
Why a variable rate mortgage is the clear winner for borrowers right now - while those holding HELOCs should beware.
After nearly five years with no decreases, the bank's policy rate has dropped all the way from 1.75% to 0.25% in March alone - but not all mortgage borrowers will benefit.
Lenders have raised both their fixed and variable mortgage rates to the surprise of many borrowers - here's how to manage your mortgage during this stressful time.
While authorities have announced that Canadians will be able to defer their mortgage payments due to the coronavirus (COVID-19) crisis, some key limits apply.
As the world goes into lock-down to stem the COVID-19 (Coronavirus), what should we be doing with our mortgages?
Global economic shocks have led to unforeseen drops in mortgage interest rates - so what should borrowers do going forward?
Why it's unlikely that the Bank of Canada will lower its policy rate - and our mortgage rates - this Wednesday.
The necessary change would increase buyer budgets today, but likely decrease affordability in hot markets and introduce more volatility for buyers going forward.
A drop in the stress-test rate would be good news for borrowers needing to expand affordability, but should our big banks be calling these shots?
An global health crisis is pushing investors towards safe havens, leading to a (lamentably costly) drop in fixed mortgage interest rates.
No change to policy rate keeps variable mortgage rates steady, but a less optimistic economic outlook pushes down fixed rates.
In today’s post I offer my predictions of where our fixed and variable mortgage rates are headed in 2020.
While the mortgage stress test has helped ease overheating housing markets, will the Trudeau government finally address its flaws?
Our current economic conditions suggest that lower interest rates may be coming soon, but the Bank of Canada does not share that assessment - yet.
Sluggish 3rd quarter data means the Bank of Canada is unlikely to cut its policy rate - though it risks the need for more aggressive cuts in the future.
Fixed and variable mortgage rates are staying put for now - but there's a case for a rate cut in the future.
According to the Chinese Zodiac, 2019 is the Year of the Pig, but history may better remember it as the Year of the Falling Interest Rate.
Variable-rate mortgage borrowers are understandably wondering whether to convert to today’s lower five-year fixed rates. But should they?
Why the variable interest rate may soon join the fixed interest rate - and start falling.
Why you may want to prioritize flexibility when it comes to your fixed-rate mortgage right now.
Canadian fixed mortgage rates continued to rise last week.
Stuck between a slowing U.S. economy and the risk of fuelling Canadian consumer indebtedness, officials have another reason to delay a rate cut.
As the U.S. economy starts to stall, will Canadian variable-rate borrowers see their first drop in four years?
As Canadians head to the polls for the federal election, here are the policies they should be looking for.
Converging U.S. and Canadian economies makes a variable-rate cut more likely this December.
While fixed rates seem likely to go up in the short-term, home buyers locking in rates now should ask lenders what will happen if rates fall before they move in.
While the Bank of Canada sees a rocky economic outlook ahead, it didn't cut rates - yet.
Will rising inflation prevent the Bank from cutting its policy rate at its next meeting on September 4?
While Canadian interest rates are likely to go lower, we'd be wrong to envy Danish-style negative interest rates.
The Bank of Canada likely overtightened during its last cycle - will it have to cut rates now that the world economy is slowing?
Though the U.S. rate cut last week didn't spur the expected market reaction, it means that Canada mortgage rates will likely stay steady - or lower.
Why we might be excited by the prospect of negative yield bonds - and interest-free or lower mortgages - they would be bad news.
A key 'stress test' faced by Canadian mortgage borrowers has been slackened - but more changes are required to increase affordability beyond a few thousand dollars.
The Bank of Canada left its policy rate unchanged at 1.75% last week as expected - and finally opts for caution over optimism.
Why export-oriented Canada balances its fight against inflation against the need for a competitive dollar.
The Canadian economy's most recent inflation numbers mean a rate cut is less likely - unless the U.S. Fed forces the Bank of Canada's hand.
If you are keeping an eye on mortgage rates, then you have probably been reading a lot about inverted yield curves lately.
The Bank of Canada is signalling an interest rate hike...so why is the bond market betting on a cut?
With inflation under control, will weaker economic data mean the Bank of Canada may soon look to cut interest rates?
If it's healthier for the economy when more of us choose longer-term mortgages, Ottawa can do something to make this happen.
Last week we learned that Canadian GDP contracted by 0.14% in February on a month-over-month basis.
Have the Bank of Canada's overly optimistic forecasts actually hurt our overall economic momentum?
Will the Bank of Canada continue to shift to a more dovish outlook given latest economic developments?
The five-year Government of Canada (GoC) bond yield, which our five-year fixed mortgage rates are priced on, has been on a wild ride of late.
The Bank of Canada is downplaying expectations that its next rate move will be a cut - but it may not have as much choice as it wants.
Canadian fixed mortgage rates have been on a steady downward march of late.
The Liberal Government of Canada has released a budget that seeks to help beleaguered first-time buyers - but will it help?
A variable-rate mortgage sounds like a slam dunk in the current environment, but it may not be.
Given conflicting economic data, will the Bank of Canada raise or lower rates?
Will the Bank of Canada put an end to rate hike speculation when it meets this week?
Bank of Canada Governor Stephen Poloz way want higher rates, but he needs stable inflation.
The Canadian economy added 66,800 new jobs in January vs. 8,000 expected - so why aren't our mortgage rates impacted?
A key policy statement from south of the border suggests that our mortgage rates are unlikely to rise in Canada.
Will the latest in the trouble spots of Canadian oil prices, house prices and global trade policy change the Bank of Canada's intention to hike rates?
Has the Bank of Canada rushed too far in front of an uncertain economy?
Frothy economic hopes are dissipating, making future mortgage rate increases unlikely.
The U.S. Federal Reserve is widely expected to hike its policy rate by another 0.25% when it meets this Wednesday. The question that is being actively debated is whether it...
Just like that, all of the dire warnings about rapidly rising Canadian mortgage rates disappeared faster than cookies and carrots on Christmas Eve.
The Bank of Canada, in a softening of its stance, is not expected to raise its policy rate this week so variable mortgage rates should hold steady - and perhaps start falling...
The Bank of Canada (BoC) is caught between a rock (rising inflationary pressures) and a hard place (waning economic momentum).
Today’s post returns to the question that every borrower I work with loves to ask: “Should I choose a five-year fixed- or variable-rate mortgage today?"
The Bank of Canada continues to signal policy-rate hikes soon, but does the current economic data support additional near-term increases?
The Bank of Canada remains on course to raise interest rates - pushing up mortgage rates - but will lagging wage growth give it pause?
The Bank of Canada has signalled that rates will continue to rise - but for how long given larger economic data trends?
Will current optimism about Canada's economy push our mortgage rates up?
If you’re keeping an eye on Canadian mortgage rates, keep your other eye focused on what is happening south of the border.
How will the new United States-Mexico-Canada trade agreement (USMCA) impact the Canadian economy - and our mortgage rates?
Now that U.S. rates have increased - will Canadians rates mortgage rates follow?
After years without rate increases, variable rate borrowers may soon see an increase for the fifth time in a row - is it time to lock into a fixed rate?
An insider looks back on the impact of the 2008 U.S. subprime mortgage crisis from a Canadian perspective.
If the Bank of Canada has moved to responding to fast-moving incoming data, will rates really rise in late October as currently expected?
Many expect the Bank of Canada to raise rates in late October - but does NAFTA uncertainty make that less likely?
While the consensus expects another BoC rate rise in October, economic data between now and then may suggest otherwise.
Why did Canadian bond yields, which our five-year fixed mortgage rates are priced on, finish lower in spite of a jump in new jobs?
Here are five news items from last week that should be of interest to anyone keeping an eye on Canadian mortgage rates.
The key question for anyone keeping an eye on Canadian mortgage rates.
Last Friday we learned that overall Canadian inflation, as measured by our Consumer Price Index (CPI), came in at 2.5% in June, and that result was higher than the consensus...
The Bank of Canada (BoC) raised its overnight rate by 0.25% last Wednesday and it now stands at 1.5%. The move was widely expected, and Canadian lenders quickly increased their...
It is widely expected that the Bank of Canada (BoC) will raise its overnight rate by another 0.25% when it meets this week, and if it does, lenders will pass that increase on...
In its most recent policy statement released on May 30, the Bank of Canada (BoC) gave every indication that it would raise its overnight rate, which our variable mortgage rates...
The Bank of Canada just got another reminder about the perils of offering forward guidance.
A trade war with the U.S. would likely impact mortgage borrowers in Canada - in more ways than you might think.
Last Friday Statistics Canada confirmed that our economy lost an estimated 7,500 jobs in May, which was a much worse result than the 23,500 job gain the consensus had been...
The Bank of Canada (BoC) held its policy rate steady last week but warned in its accompanying statement that our next rate hike is not far off.
As the variable-rate mortgage wars rage on, savvy borrowers are advised to look carefully at the terms and conditions in their mortgage contract.
In last week’s post I made the case for five-year variable rates over their fixed-rate equivalents, based on my current view of where our economy is headed.
It’s time for a fresh look at the question every borrower loves to ask: Is now a good time to choose a fixed or variable rate?
Last week TD Canada Trust raised its five-year posted rate from 5.14% to 5.59%, and shortly thereafter, Royal Bank and National Bank increased their five-year posted rates from...
The Bank of Canada (BoC) left its overnight rate unchanged last week, as most market watchers expected. The Bank also released its latest quarterly Monetary Policy Report...
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
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
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 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 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 17th – 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
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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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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...
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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...
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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...
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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
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
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
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
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
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
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
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
Like stock markets, economies are really only governed by two competing forces: fear and greed.
When greed dominates, money...
David Larock in Mortgages and Finance, Home Buying
On Wednesday of last week, Statistics Canada released its latest Consumer Price Index (CPI) data for August 2011. While...
David Larock in Mortgages and Finance, Home Buying
On Friday, the European Central Bank, the U.S. Federal Reserve, and the central banks of Britain, Switzerland and Japan all...
David Larock in Mortgages and Finance, Home Buying
It’s been three months since we ran our first Mortgage Rate Simulation where we compared the cost of a current five-year...
David Larock in Mortgages and Finance, Home Buying
Businesses are always looking to cash in on consumer trends, and in today’s world the trend towards greener, more sustainable...
David Larock in Mortgages and Finance, Home Buying
For a lender, bigger is not always better.
The larger a mortgage gets, the greater the lender’s potential loss if the...
David Larock in Mortgages and Finance, Home Buying
Canadians are still enjoying the story of The Little Economy That Could. While the European and the U.S. economies struggle...
David Larock in Mortgages and Finance, Home Buying
The U.S. federal government now spends about $120 billion more than it takes in each month and it covers the shortfall by...
David Larock in Mortgages and Finance, Home Buying, Home Selling
All eyes were on last Friday’s employment report after our latest Consumer Price Index (for May) came in...
David Larock in Mortgages and Finance, Home Buying, Home Selling
If you are buying a house or refinancing your mortgage, the siren song emanating from your local bank branch...
David Larock in Mortgages and Finance, Home Buying, Home SellingIf you want to sell your current home and use the proceeds as a down payment on a different property, what do...
David Larock in Mortgages and Finance, Home Buying
Mortgage rates have been on a downward march lately – five-year fixed-rate mortgages are now offered in the 3.69% range and...
David Larock in Mortgages and Finance, Home Buying The Bank of Canada (BoC) Directors met last Tuesday and, as expected, they left the target for the overnight rate unchanged...
David Larock in Mortgages and Finance, Home Buying
Co-op and co-ownership properties offer exceptional value for the right type of buyer. These buildings are usually...
David Larock in Mortgages and Finance, Home Buying
Would it surprise you to learn that the advertised interest rate on a variable-rate mortgage does not represent its real rate...
David Larock in Mortgages and Finance, Home Buying
Mortgage debt can be intimidating; it is a massive personal liability that typically takes decades to pay off. During the...
David Larock in Mortgages and Finance, Home Buying
Mortgage rates and inflation go hand in hand.
Variable-mortgage rates are set using the Bank of Canada’s overnight rate,...
David Larock in Mortgages and Finance, Home Buying
If Canadians shopped for cars the same way we shop for mortgages, most of us would be driving around in old beaters that...
David Larock in Mortgages and Finance, Home Buying
Fixed-rate mortgages offer borrowers predictability and peace-of-mind in exchange for higher initial borrowing costs (over...
David Larock in Mortgages and Finance, Home Buying
Borrowers are often surprised to hear that qualifying for a five-year variable-rate mortgage is more difficult than...
David Larock in Mortgages and Finance I’ve had a lot of calls lately from borrowers who are wondering if now is a good time to refinance their mortgage, so I thought I’d write...
David Larock in Mortgages and Finance, Home BuyingTo the uninitiated, Canada’s lending market must look like a very egalitarian place. All of our major banks post the same...
David Larock in Mortgages and Finance, Home Buying
When couples decide to divorce, financial assets accumulated while together must be equitably divided and in many cases, the...
David Larock in Mortgages and Finance, Home Buying
If you are a new immigrant to Canada - welcome! As a former world traveller, I know how daunting it can be to get settled in...
David Larock in Mortgages and Finance, Home Buying
On January 17, 2011, Jim Flaherty, our federal Minister of Finance announced changes to the Canadian Mortgage and Housing...
David Larock in Mortgages and Finance The world’s economies are continuing their clean-up efforts after the bursting of the global credit bubble. Like a giant oil spill, the...
David Larock in Mortgages and Finance
Ahh, the variable rate mortgage, temptress to us all. It offers you the lowest borrowing cost in exchange for the security of your...
David Larock in Mortgages and Finance
Ed Clark, CEO of Toronto Dominion Bank, recently implored our federal government to reduce the maximum allowable mortgage amortization...
David Larock in Mortgages and Finance, Home Buying
Buying your first house is a milestone right up there with the biggies. When you become the legal owner of a patch of land,...
David Larock in Mortgages and Finance
If choosing the best mortgage were only about finding the lowest rate, then guys like me wouldn’t have much to talk about. After all, a...
Anne Midori in Mortgages and Finance.
Editor's Note: "A Different View" is a periodic series in which guest bloggers are invited to share new and differing views on all things...
David Larock in Home Buying, Mortgages and Finance, Legal
Your property’s title provides the legal proof that you are its owner. It describes your rights to the land and any...
David Larock in Mortgages and Finance
Borrowers who make financing flexibility their highest priority often wonder whether it is better to choose an open or a closed mortgage....
David Larock in Mortgages and Finance
If you originally secured a mortgage by going to your favourite Big Five bank for advice, then chances are very good that you signed up...
David Larock in Mortgages and Finance
Our fears of a Canadian housing bubble are understandably exacerbated by the US housing debacle that continues to unfold. We are inundated...
David Larock in Mortgages and Finance, Home Buying
Mortgage pre-approvals are full of conditions and qualifiers, and when you think about it, why wouldn’t they be? When you...
David Larock in Mortgages and Finance, Home Buying
Buyers will often include a financing condition when drafting an offer to purchase with their realtor. This clause gives them...
David Larock in Mortgages and Finance
This week, Toronto Dominion (TD) Bank very quietly tweaked the way it registers its mortgage loans. While this may at first seem like a...
David Larock in Mortgages and Finance
Welcome to Part Two of my post on How to Make Your Mortgage Tax Deductible.
In Part One, we showed that setting up a tax-deductible...
David Larock in Mortgages and Finance, Toronto Real Estate News
This has not been your garden variety global recession. For starters, it began with the bursting of a giant...
David Larock in Mortgages and Finance
Canadian mortgage interest can be tax deductible. Surprised? Most people I talk to about converting their mortgage to a tax deductible...
David Larock in Mortgages and Finance, Home Buying
Developing a budget before taking on a mortgage is a crucial step that many first-time home buyers avoid like the plague. The...
David Larock in Mortgages and Finance
In today’s interest-rate environment, using a rental property’s Free Cash Flow to determine its value will significantly understate its...
David Larock in Mortgages and Finance
I have always enjoyed challenging widely held beliefs, probably because so many of them fall apart upon closer examination. Most recently,...
David Larock in Mortgages and Finance
Editor's Note: This week's post also appears in the September issue of REM magazine.
What a roller coaster ride the last two years have...
David Larock in Home Buying, Mortgages and Finance
One of the most common observations made about the financial profile of average baby boomers is that too much of their net...
David Larock in Mortgage and Finance
Any attempt to forecast the direction of Canada’s interest rates in today’s environment must weigh the strength of our domestic economy...
David Larock in Mortgage and Finance
When it comes to underwriting a mortgage application, your income is the straw that stirs the drink. Income has proven to be the lender’s...
David Larock in Mortgage and Finance
Falling interest rates are usually met by borrowers with a toast all round. After all, what other substantial cost do we have that has the...
David Larock in Home Buying, Mortgages and Finance
Happy belated Canada Day! This past weekend as I wound my way north up to cottage country, I was thinking of ideas for this...
David Larock in Home Buying, Mortgages and Finance
Estimating your closing costs after the excitement of buying your home is about as appealing as sorting out travel insurance...
David Larock in Mortgages and Finance
In many ways, our government run CMHC mortgage loan insurance program works a bit like the typical Bank of Mom and Dad. When lenders find...
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