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Blog by Micah Verceles

Here’s how much you need to earn to buy the average home in Canada’s biggest cities

November 27th, 2019
After a long period of relentless home price increases, affordability is starting to improve in a number of Canada’s most expensive cities. According to the National Bank of Canada’s third quarter Housing Affordability Monitor, the housing affordability composite index has backpedaled to historical averages thanks to a rise in incomes and lower mortgage rates. Still, how much you can afford a ...

Consumer debt blues brighten slightly

November 26th, 2019
Interest rates are stable and look poised to fall. Inflation is in check. The unemployment rate is at historic lows. We are told wage growth is strong, and households appear to be reducing their debt-load.

Still, many Canadians are worried about making ends meet.

The latest quarterly survey by insolvency trustee MNP suggests 54% of Canadians have growing concerns about their ability to repay ...

CREA: Canadian Real Estate Prices Reach A New All-Time High, But Growth Slows

November 20th, 2019
Canadian real estate sales are back to booming, and they’re pushing prices higher. Canadian Real Estate Association (CREA) data shows the price of a home in Canada hit a new high in October. Price growth was much stronger in Ontario and Quebec, with Western Canada still dragging.

Canadian Real Estate Prices

The industry’s aggregate price index is still climbing across Canada. The benchmark pr ...

Toronto decline, Vancouver recovery leave Canadian home sales flat

November 18th, 2019
Canadian housing sales took a breather as activity in Toronto pulled back, but strength in the western provinces highlights a sustained recovery at the national level.

Home sales were little changed in October after seven straight months of gains, according to data released Friday by the Canadian Real Estate Association. Toronto was a major drag, posting a 2.9 per cent decline, the biggest dr ...

Architectural Digest | Inside a $5.5M Floating Mansion in Miami

November 12th, 2019
Today we take you to glamorous South Beach in Miami, Florida to tour a truly one-of-a-kind offering. At 400 Alton Road sits the Arkup, a $5.5 million yacht house powered entirely by solar energy. The floating villa has 4 bedrooms and 4.5 bathrooms, an extendable deck for entertaining large groups, and a full kitchen - all with the freedom and functionality of a yacht.

Feel like a quick trip t ...

Residential Market Commentary - Mortgage-free or diversity?

November 8th, 2019
Canadians put a high priority on paying off their mortgage debt – sometimes maybe a little too high.

Paying off debt is always a good move. Wanting to be mortgage free is a laudable goal. Making it your only goal may not be as sound.

Traditionally paying off your mortgage as quickly as possible has been seen as one of the best routes to financial success. Interest rates used to be higher. Som ...

The Real Estate Board of Greater Vancouver - October 2019 Stats

November 5th, 2019
The Metro Vancouver housing market is experiencing a fall pickup in home sale activity.

The Real Estate Board of Greater Vancouver (REBGV) reports that residential home sales in the region totalled 2,858 in October 2019, a 45.4 per cent increase from the 1,966 sales recorded in October 2018, and a 22.5 per cent increase from the 2,333 homes sold in September 2019.

Last month’s sales were 9.8 ...

Canadian Housing Market Trends To Look Out For In 2020

November 4th, 2019
The floodgates have officially opened for Canadian housing market forecasts for the next year.

We’ve already heard that interest rates will likely sink lower in 2020 as the housing market continues to rally through the first half of the year. There’s also speculation around how the Liberals’ October election win will impact housing affordability and whether the NDP will play a bigger role in ...