As we close out 2025, the mortgage landscape is shifting in ways that will significantly impact homeowners heading into the new year. This week’s Mortgage Minute covers four critical developments: the looming renewal payment shock, a rare affordability win in...
Mortgage Minute: December 12, 2025 The narrative in the Canadian mortgage market has flipped fast. For months, the story has been about “how low will they go?” But this week, the data is asking a different question: “Are we done?” Here is your...
Mortgage Minute: December 5, 2025 Is the Toronto housing market broken, or is it just sleeping? And… did you notice that fixed mortgage rates just went up? We are closing out the year with a strange mix of signals. Prices are softening, buyers are nervous, and...
Mortgage Minute: November 28, 2025 This week’s economic data presents a confusing picture for many Canadians. On one hand, the headlines tell us the economy is rebounding. On the other, the data on household finances tells a story of increasing strain. Here is the...
Headline inflation just cooled to 2.2%, which usually signals that rate cuts are on the horizon. But if you look past the headlines, the data is flashing warning signs that every Toronto homeowner and investor needs to see. We are entering a period of what I call...
This week, the economic headlines paint a picture of a Canadian economy being squeezed. While the Bank of Canada is signaling a firm end to its rate-cutting cycle, everyday financial stress is climbing to levels not seen in over a decade, and lenders are responding by...
