So are a lot of other people. So far, all we’ve gotten is a dozen large or mid-sized lenders hiking 5-year fixed rates over the past week or so. Meanwhile,...

Few lenders in Canada are adapting better to online mortgage lending than HSBC. Thanks to league-leading rates and strong online marketing, the bank’s mortgage growth continues to outpace big banks....

Were TD’s bombshell new HELOC rules inspired by the government’s master plan? You be the judge. Our take: HELOC rule changesare about more than just stopping speculators from funding secondary...

For more than a year we’ve speculated that new rules will be adopted, making it tougher to qualify for a HELOC. How could they not? The Bank of Canada, OSFI,...

In the next few years you’re going to see press release after press release announcing new mortgage technology from big banks. And that’s a good thing. Big banks are finally...

“[Canada’s] policy rate will need to rise to neutral to achieve our inflation target.” That was the headline-making quote yesterday from Bank of Canada boss Stephen Poloz. Speakingin front of...

When you go online, you leave a trail of digital bread crumbs. And if new research catches on, mortgage lenders could someday use those crumbs against you (or for you)....

If you’re carrying floating-rate debt, the rate lords at the Bank of Canada have just added to your interest burden. Here’s what the BoC just did and what it means...

We’ve said it many times over. OSFI’s imposition of a stress test on borrowers switching lenders is potentially the most short-sighted government mortgage policy in Canadian history. See: “Mortgage Renewals...

Significant rate catalysts often come out of left field. Case in point: collapsing Canadian oil prices. Check out this chart below. It shows Canadian oil (a.k.a., Western Canada select, or...