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Ottawa's Gift to Lenders: Some Numbers

This is what is out there now. We are working with all the changes.
Please call us with any questions!

Source: Canadian Mortgage Trends
November 30, 2016

Happily, it’s only taken six hours to update 183 rates and 25 lenders’ policies following today’s default insurance rule changes. I reckon I’ll be done combing through the rate sheets and policy updates by the weekend, just in time to question the grey matter of those responsible for this absurdity.

Market Update

Finance Minister Bill Morneau announced new rules at a speech in Toronto on Monday which took aim at limiting foreign money into Canadian real estate.  Ottawa also wants to ensure that Canadians take on mortgages that they can afford by implementing a “stress test” for insured mortgages.


The Liberal Effect

The Liberals’ new majority gives them all the power they need to influence Canada’s mortgage market. Interest rates, mortgage policy and affordable housing initiatives will all be affected.

Here’s some of what the mortgage market can expect from Mr. Trudeau’s new government:

Purchase Plus Improvements

Ask us how help qualified home buyers can make their new home just right for them, with tailored improvements, immediately after taking possession of the purchased property. All this can be done with one manageable mortgage and with only 5% down.

Are you drowning in debt?

Click on this link from The Globe and Mail and see how you compare to other Canadians

Save Money without Adjusting your Lifestyle!

Article from
30, 2014

We always hear tip-based stories about clever ways to cut your spending, but many of them come with a lifestyle change to which you might not be ready to commit. Such as: Growing your own vegetables, cutting your own hair and nixing the occasional latte that makes you feel more human during a difficult workweek. However, there are a bunch of painless changes you can make that can help you save more. If you're up the creek without a paddle, these won't help you too much. (Instead, get thee to Suze Orman and the Frugal and Personal Finance subreddits.) But if you've ever looked at your bank statement and thought "I could do better," then this is for you.

Household Budget Calculator

Check out CMHC's Household Budget Calculator.

If you want to do a personalized budget or discuss options, give us a call at 905-623-9738!

We may be able to save you $$$

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