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Blog by Micah Verceles

Bank of Canada holds rates, warns economy will be 'tested'

October 31st, 2019
The Bank of Canada forecast a weaker outlook for the domestic economy amid heightened global downside risks, potentially giving itself more leeway to lower borrowing costs.

In a decision Wednesday, policy makers kept their current 1.75 per cent policy rate unchanged for an eighth straight meeting, calling the level “appropriate” even as they cut their growth forecasts for the next two years. ...

Mortgage business on the move

October 30th, 2019
In an effort to fill in some of the gaps in the country’s housing market data Canada Mortgage and Housing Corporation has launched a new Residential Mortgage Industry report. The agency says the report is designed to support “evidence-based policy and informed decision making within the housing finance sector.”

Not surprisingly the report confirms that Canada’s big banks have the vast majorit ...

Is real estate still a good investment for Canadians?

October 24th, 2019
Long before the stock market existed, before salt was considered as valuable as gold, and before humans first struck oil, the asset that was most sought after was land. Real estate investing has evolved, but today investors still seek out land as a way to diversify their assets, earn income, and increase their net worth.

These days, however, many are asking whether or not real estate is still ...

Residential Market Commentary - Qualifying rate conundrum

October 23rd, 2019
The Bank of Canada’s Qualifying Mortgage Rate has popped back onto the real estate radar. Back in July the central bank lowered the rate for the first time in nearly three years.

The idea behind the QMR is to ensure that home buyers will be able to afford their mortgage as interest rates rise in the future. It is a stress test that sets the lowest “theoretical” interest rate the buyer will be ...

The Real Estate Board of Greater Vancouver - September 2019 Stats

October 7th, 2019
Increased demand helps housing market reach balanced territory.

Home buyer demand has returned to more historically typical levels in Metro Vancouver* over the last three months.

The Real Estate Board of Greater Vancouver (REBGV) reports that residential home sales in the region totalled 2,333 in September 2019, a 46.3 per cent increase from the 1,595 sales recorded in September 2018, and a ...

Where Could a Median-Income Household Afford Real Estate in Canada?

October 1st, 2019
Housing affordability has long been a hot-button issue across Canada and will take centre stage in the upcoming October Federal Election as a top priority for voters. However, given the vast geographical size of the nation, and its many market nuances, buyers’ ability to purchase a home varies widely depending on local prices and incomes; in fact, the Canadian Real Estate Association has note ...