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Blog by Micah Verceles

Canadians To Get a (Short) Break From Rising Debt Service Costs

December 16th, 2019
As we look back on the year that was, one of the biggest surprises was the movement in interest rates. Rather than rising, interest rates fell in 2019. The decline in rates came without any help from the Bank of Canada, which held the overnight rate steady through the year. Rather, global events and worries about trade wars and recession pushed Canadian yields down.

The fall in government yie ...

MPC applauds Prime Minister’s order to review the mortgage stress test

December 13th, 2019
Today, Prime Minister Justin Trudeau released his Mandate Letter to Minister of Finance Bill Morneau. One of the prime minister’s stated priorities is that his minister must “review and consider recommendations from financial agencies related to making the borrower stress test more dynamic.”

As the Globe and Mail’s Janet McFarland put it, since 2018 Mortgage Professionals Canada (MPC) has bee ...

A flaw in Canada’s economic armour

December 9th, 2019
Canada’s resilient economy appears to have developed a crack. The November employment statistics surprised everyone with a loss of more than 71,000 jobs. The unemployment rate jumped 0.4 percentage points to 5.9% – the biggest monthly increase since 2009.

It is the second consecutive monthly decline. In October the economy shed 1,800 positions. The November losses are particularly stark given ...

The Real Estate Board of Greater Vancouver - November 2019 Stats

December 4th, 2019
After a quieter first half of 2019, home buyer activity has returned to more historically typical levels in Metro Vancouver*.

The Real Estate Board of Greater Vancouver (REBGV) reports that residential home sales in the region totalled 2,498 in November 2019, a 55.3 per cent increase from the 1,608 sales recorded in November 2018, and a 12.6 per cent decline from the 2,858 homes sold in Octob ...

Alleyway home in Toronto makes room splitting into 5 levels

December 3rd, 2019
Toronto is the fastest growing city in North America, but rather than simply grow up and out, city planners are relaxing zoning on its 250 kilometers of laneways so owners can turn garages and sheds into small downtown homes (limited to 8 meters wide (26 feet)).

Zeke Kaplan’s home had a 100-year-old shack occupying the lane before he began construction to convert it into a modern 2 bedroom ho ...

Housing and debt worries weigh on BoC

December 2nd, 2019
The Canadian economy continues to stubbornly support the Bank of Canada’s interest rate policy. Market watchers are pretty much unanimous in their projections that the central bank will stay on the sidelines, again, when it makes its rate announcement later this week.

The latest numbers from Statistics Canada show gross domestic product grew by 1.3% in the third quarter. That is a slow down, ...