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Blog by Micah Verceles

How the parties' housing promises stack up, according to this expert

September 30th, 2019
Housing has emerged as a hot-button topic in the federal election campaign, with party leaders unleashing a slew of headline-grabbing promises over the last few weeks.

The so-called B-20 mortgage stress test, an incentive aimed at helping first-time buyers, and an update to the RRSP Home Buyers’ Plan are among measures that have been introduced since the current Liberal government came into p ...

Residential Market Commentary - What is a central bank?

September 27th, 2019
As we head into the federal election we’ll be hearing a lot about the economy, interest rates and housing. In this country, one of the key players in all of those things is the Bank of Canada, commonly referred to as “the central bank”.

Since the financial collapse a decade ago central banks and the people who run them have become fixtures in the news. There is hardly a day that goes by that ...

A ‘dumb’ idea to make housing more affordable

September 25th, 2019
The Conservatives and the Liberals have both rolled out policies meant to address housing affordability for new buyers. They don’t really work.

Evan Siddall can’t say the Conservative Party’s campaign pledge to increase the amortization period on mortgages is “dumb.” Not right now, at least.

As president and CEO of the Canada Mortgage and Housing Corporation (CMHC), Siddall is a civil servant ...

Vancouver Real Estate Is Once Again The Fastest Cooling Market In Canada

September 24th, 2019
Canadian real estate markets are seeing demand improvements, just not in British Columbia. Canadian Real Estate Association (CREA) data shows the sales to new listings ratio (SNLR) increased in August. The ratio, which gives a quick snapshot on how soft the market is, generally increased. British Columbian real estate was a notable exception. Cities in the province were the three fastest cool ...

Alternative facts vs. fraud: Millennials believe it’s acceptable to fib on applications

September 16th, 2019
Ongoing affordability challenges and tougher mortgage qualification rules have homebuyers turning to alternative lenders, but some are also turning to alternative facts.

A recent survey by credit monitoring service Equifax suggests there is a growing acceptance of fudging the numbers on mortgage applications, especially among younger house hunters. Nearly a quarter of the millennials (23%) su ...

Residential Market Commentary - Treading water in a rising tide

September 11th, 2019
In the rising tide of interest-rate-cut expectations, the Bank of Canada is treading water. The central bank did meet expectations by holding its policy rate at 1.75% for a seventh consecutive setting, last week.

The reasons are fairly apparent: inflation is on target, GDP growth is good (Q2 was far better than expected even if it was based on some one-off stats), job growth is steady and une ...

The Real Estate Board of Greater Vancouver - August 2019 Stats

September 5th, 2019
Home buyer activity increased to more typical levels in Metro Vancouver* throughout the summer months.

The Real Estate Board of Greater Vancouver (REBGV) reports that residential home sales in the region totalled 2,231 in August 2019, a 15.7 per cent increase from the 1,929 sales recorded in August 2018, and a 12.7 per cent decrease from the 2,557 homes sold in July 2019.

Last month’s sales w ...

Bank of Canada Holds Overnight Rate Steady Amid Uncertainty

September 4th, 2019
The Bank of Canada held the target overnight rate at steady at 1.75% for the seventh consecutive decision date but will monitor closely the impact of the US-China trade war on economic activity around the world and in Canada. The second-quarter growth--posted at 3.7%--exceeded the Bank's forecast in the July Monetary Policy Report (MPR), but the Bank expects the economy to slow from that pace ...

Inside UBC's Exchange Residences

September 3rd, 2019
Students have moved in to UBC's new Exchange Residence. The residence has 651 beds, including 71 nano suite units that squeeze a kitchenette, full bathroom, closet, and convertible double bed/desk combination into 140 square feet. Highly central, the residence is steps from the Aquatic Centre and Student Centre. Built above the new UBC bus exchange, the UBC bus loop is virtually at the Exchan ...

Vancouver condo prices see biggest drop in Canada, but still lead the nation: report

September 2nd, 2019
Greater Vancouver’s housing market correction is finally having a noticeable impact on condo prices.

That’s according to a new report from real estate firm Royal LePage, which found that the per-square-foot price of a condo in Greater Vancouver has fallen more than any other major market in the country this year.

The median Greater Vancouver condo is priced at about $764 per square foot, down ...