Canadian Mortgage Rates Aren’t Headed Higher After All
Just like that, all of the dire warnings about rapidly rising Canadian mortgage rates disappeared faster than cookies and carrots on Christmas Eve.
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...
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Our January inflation data have provided the latest fuel for the ongoing debate about when the Bank of Canada (BoC)...
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After thirteen straight months of impressive gains, Canada’s labour market hit the brakes hard last month.
Our...
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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...
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In today’s post I offer my forecast for five-year variable rates in 2018. (FYI - You can read my forecast for...
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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...
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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...
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As of January 1, 2018, everyone who borrows from a federally regulated mortgage lender must qualify using the ...
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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
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In Part One of my four-part series covering our Department of Finance’s latest round of mortgage-rule changes, we...
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In Part One of this series about the upcoming mortgage-rule changes, we focused on the first change that takes...
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In Part One, we focused on the mortgage-rule change that will take effect on October 17, 2016. Today, in Part Two,...
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** Update on the Mortgage Qualifying Rate stress-test that was to be implemented on Oct 17th – The Department of...
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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
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
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...