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Resources & Insights
Original perspectives and personal viewpoints on developments and industry trends.
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- Residential Market Commentary - Rate cut expectations
- Residential Market Commentary - Economy continues to grow
- Residential Market Commentary - Inflation increase not likely to bother BoC
- Market Memo: The luxury of home ownership - November 2024
- Residential Market Commentary - Surprising sales surge in October
- Residential Market Commentary - Trump and Canada’s economy
- Residential Market Commentary - How low will rates go?
- National Mortgage Conference hears from Jason Ellis on the market, the outlook, recent legislative changes and his policy prescriptions
- Residential Market Commentary - Big cut by BoC
- Looking forward: is Canada’s housing market poised for a rebound?
- Bank of Canada’s 7th decision of 2024 brings its benchmark interest rate to 3.75%
- Residential Market Commentary - Buyers wait for a better rate
- Market Memo: The personal touch - October 2024
- Residential Market Commentary - Coin toss on rate cut
- Market Commentary - A catch-up and overview of the markets
- Residential Market Commentary - CREA and competition
- Residential Market Commentary - Less stress
- Market Memo: A little good news - September 2024
- Residential Market Commentary - Quiet market in August
- Residential Market Commentary - A hopeful fall for realtors
- Residential Market Commentary - Rates fall. Market slow to react.
- Bank of Canada reduces its benchmark interest rate to 4.25%
- Residential Market Commentary - Ongoing rate cuts expected
- Residential Market Commentary - More room for rate relief
- Market Memo: Housing & climate change - August 2024
- Residential Market Commentary - Real estate pushes pause button
- Residential Market Commentary - Housing concerns moderate at BoC
- Residential Market Commentary - Canadian financial confidence flags
- Residential Market Commentary - BoC cuts rates again
- Bank of Canada reduces its benchmark interest rate to 4.50%
- Residential Market Commentary - High expectations for lower rates
- QUARTERLY REPORT - July 2024
- Residential Market Commentary - Financial optimism declines
- Residential Market Commentary - Employment and rate cuts
- Residential Market Commentary - Rate cut unlikely in July
- Residential Market Commentary - Sleepy and uneventful
- Market Memo: Divergence - June 2024
- Residential Mortgage Commentary - Canadians are getting richer
- Being your best also means taking a break
- Being your best by supporting clients confidently
- More tips for phone and video communication
- Better communication by phone and video
- Better answers to client questions
- Residential Mortgage Commentary - The rate cut arrives
- Bank of Canada reduces its benchmark interest rate to 4.75%
- Residential Mortgage Commentary - Interest rate decision time
- Residential Mortgage Commentary - More good inflation news
- Mortgage videos
- Mortgage calculators
- Glossary of terms
- Prepayment privileges and charges
- My Mortgage
- Residential Mortgage Commentary - Spring buying season sprouts slowly
- Residential Mortgage Commentary - Interest rate watch
- QUARTERLY REPORT – April 2024
- Residential Mortgage Commentary - BoC looks to interest rate cuts
- Residential Mortgage Commentary - Scrutinizing BoC deliberations
- Residential Mortgage Commentary - Latest trends among homebuyers
- Market Commentary: An overview of this week’s federal budget
- Residential Mortgage Commentary - Living in interesting times
- No change in Bank of Canada benchmark interest rate today
- Residential Mortgage Commentary - Affordability concerns persist despite coming rate cuts
- Residential Mortgage Commentary - Government budgets focus on housing
- Residential Mortgage Commentary - Realtors hopeful about spring market
- Market Memo: BoC balancing act. Inflation vs Recession – Mar. 2024
- Residential Mortgage Commentary - StatsCan fourth quarter review
- Residential Mortgage Commentary - Debt strain & delinquencies
- Bank of Canada keeps its benchmark interest rate at 5.0% (for now)
- Residential Mortgage Commentary - Falling rates reignite home buying intentions
- Residential Mortgage Commentary - One meeelyun dollars
- Residential Mortgage Commentary - January sales jump
- Market Memo: Economic gloom, but not doom – Feb. 2024
- Residential Mortgage Commentary - Affordability and the Bank of Canada
- Residential Mortgage Commentary - BoC boss holds the line on interest rates
- Market Commentary: Rate and GDP update and US employment numbers
- Residential Mortgage Commentary - BoC shifts focus from how high to how long
- Market Commentary: An update on rates, the BoC meeting and US GDP
- Bank of Canada starts 2024 by keeping its benchmark interest rate at 5.0%
- QUARTERLY REPORT – January 2024
- Residential Mortgage Commentary - Canadians adapting to current economy
- Market Commentary: A look at this week’s inflation numbers and recent housing market activity
- Residential Mortgage Commentary - Debt worries weigh on Canadian consumers
- Market Commentary: An overview of this week by the Treasury Guy
- Residential Mortgage Commentary - Post-holiday update
- Market Commentary: Jason Ellis reviews this week’s numbers
- First National’s Treasury Guy, Jason Ellis, provides a year in review
- Residential Mortgage Commentary - Countdown to rate cuts
- Bank of Canada holds its policy interest rate steady, updates its outlook
- Residential Mortgage Commentary - BoC likely to hold the line
- Residential Mortgage Commentary - Ottawa offers comfort to nervous borrowers
- Residential Mortgage Commentary - Colder weather and a cooling market
- Residential Mortgage Commentary - BoC: Prepare for higher for longer
- Residential Mortgage Commentary - Economists vs the market
- Residential Mortgage Commentary - Credit quality concerns
- Bank of Canada holds its interest rate steady, publishes updated economic forecasts
- Residential Mortgage Commentary - Interest rate uncertainty stifles home construction
- Residential Mortgage Commentary - Cooling continues as fall arrives
- Quarterly Report - October 2023
- Residential Mortgage Commentary - Housing starts stagnate
- Residential Mortgage Commentary - Positive housing market sentiment
- Residential Market Commentary - Rate hike expectations
- Market Memo: The politics of housing – Sep. ‘23
- Residential Market Commentary - Better balance in August
- Bank of Canada leaves its benchmark interest rate at 5.0%
- Residential Market Commentary - New interest rate outlook
- Residential Market Commentary - Fixed rates favoured, for shorter terms
- Residential Market Commentary - Price moderation and more inventory in July
- Residential Market Commentary - Inflation projections
- Residential Market Commentary - Employment softens. Will the Bank of Canada?
- Residential Mortgage Quarterly Review – July 2023
- Residential Market Commentary - GDP and interest rate predictions
- Residential Market Commentary - June jump for housing starts
- Residential Market Commentary - Housing market softens
- Persistent inflation leads the Bank of Canada to increase its benchmark interest rate
- Residential Market Commentary - Inflation expectations remain sticky
- Residential Market Commentary - OSFI bolsters the backstop
- Residential Market Commentary - Strong market in May
- Market Memo: New home buyer insights - June 2023
- Residential Market Commentary - Surprise rate hike. More to come?
- Market Memo: Mortgage Market, Changing Tastes – May ‘23
- Economic growth leads the Bank of Canada to increase its benchmark interest rate
- Residential Market Commentary - Canada’s tenacious economy
- Residential Market Commentary - Canadian consumer confidence climbs
- Residential Market Commentary - Bank of Canada looks at mortgage risks
- Residential Market Commentary - Rates rise, satisfaction slips
- Residential Market Commentary - Spring market activity begins to bloom
- Residential Market Commentary - The economy slows down
- Quarterly report – Apr. 2023
- Residential Market Commentary - Banking regulator gauges risk
- Residential Market Commentary - Spring market comes to life
- Market Memo: Canada’s housing conundrum - Apr. 2023
- Bank of Canada holds its benchmark rate at 4.50%, updates its outlook
- Residential Market Commentary - BoC expected to stay on the sidelines
- Residential Market Commentary - GDP’s double-edged sword
- Residential Market Commentary - Inflation improves again
- Residential Market Commentary - Housing market optimism
- Residential Market Commentary - Taking a pause, but for how long?
- Bank of Canada maintains its benchmark interest rate to 4.50%
- Residential Market Commentary - Pressing the pause button
- Residential Market Commentary - Optimism lives, but concerns persist
- Residential Market Commentary - Declines continue. Is the bottom in sight?
- Residential Market Commentary - Job data and inflation
- Market Memo: New Year, New Rules Part 2 – Jan. 2023
- Residential Market Commentary - It’s a pause, not a pivot
- Market Memo: New Year, New Rules Part 1 – Jan. 2023
- Residential Market Commentary - Bank of Canada plans a pause
- Bank of Canada increases its benchmark interest rate to 4.50%
- What’s ahead for Canada? Here is what the country’s leading economists think.
- Residential Mortgage Quarterly Review – January 2023
- Residential Market Commentary - Lingering inflation pressures
- Residential Market Commentary - High costs chase some Canadians out of big cities
- Residential Mortgage Commentary - Inflation & interest rates: lead characters for 2023
- Residential Market Commentary - No surprises in CREA’s November numbers
- Residential Mortgage Commentary - The next move by the Bank of Canada
- Bank of Canada increases its benchmark interest rate to 4.25%
- Residential Market Commentary - Five-year terms & variable rates fall from favour
- Residential Market Commentary - Unconscious spending
- Residential Mortgage Commentary - Inflation report offers hope of interest rate relief
- Residential Mortgage Commentary - Employment, inflation and interest rates
- Residential Mortgage Commentary - Inflation & interest pinching consumers
- Residential Mortgage Commentary - Bank of Canada signals a slowdown
- Bank of Canada increases its benchmark interest rate to 3.75%
- Residential Mortgage Commentary - Another interest increase all but guaranteed
- Residential Mortgage Commentary - Misleading averages
- Residential Mortgage Commentary - Home ownership on hold
- Residential Mortgage Commentary - Inflation & interest rates increase anxiety
- Residential Mortgage Commentary - Census says: renting on the rise
- Residential Mortgage Commentary - As autumn arrives the market cools further
- Residential Mortgage Commentary - Rates up again. More hikes likely.
- Bank of Canada increases its benchmark interest rate to 3.25%
- Residential Mortgage Commentary - When will the BoC pause interest increases?
- Residential Mortgage Commentary - More tough talk on inflation
- Residential Mortgage Commentary - Realtors and bankers expect short housing correction
- Residential Mortgage Quarterly Review - Q2 2022
- Residential Mortgage Commentary - Affordability update
- Residential Mortgage Commentary - A sinking feeling among consumers
- Residential Mortgage Commentary - Despite challenges, desire to own is still strong
- Residential Market Commentary - Cautious economic optimism
- Residential Mortgage Commentary - A cool summer arrives
- Bank of Canada increases its benchmark interest rate to 2.50%
- Residential Market Commentary - Inflation and the “R” word
- Residential Market Commentary - Real estate knowledge gap
- Residential Market Commentary - Affordability concerns
- Residential Market Commentary - Fighting fear about fighting inflation
- Residential Market Commentary - Collateral damage in the inflation fight?
- Residential Market Commentary - Bank of Canada toughens up its inflation fight
- Bank of Canada increases its benchmark interest rate to 1.50%
- Residential Market Commentary - Rising rates have Canadians looking at alternatives
- Residential Market Commentary - Inflation is deflating consumers
- Residential Market Commentary - Lingering heat in the housing market
- Residential Market Commentary - Housing market cooling
- Residential Market Commentary - Interest rates and a hot economy
- Residential Market Commentary - Interest rate outlook
- Residential mortgage quarterly review Q1 2022
- Residential Market Commentary - “Inflation is too high”
- Bank of Canada increases its benchmark interest rate (again), issues New Monetary Policy Report
- Residential Mortgage Commentary - No silver bullet
- Residential Market Commentary - Affordability anxiety
- Residential Market Commentary - Rising rates. What’s next?
- Residential Market Commentary - Hot in February, but cooling in the forecast
- Residential Market Commentary - Debt rises, so does net worth
- Residential Market Commentary - Rising rates: fixed or variable?
- Bank of Canada increases its benchmark interest rate, updates its 2022 outlook
- Residential Market Commentary - The war and interest rates
- Residential Market Commentary - The influence of investors
- Residential Mortgage Commentary - Demand pressure pushing up prices
- Residential Mortgage Quarterly Review – January 2022
- Residential Mortgage Commentary - What renters think
- Residential Market Commentary – Hiking rates without an increase
- Bank of Canada holds benchmark interest rate steady, updates 2022 economic outlook
- Residential Market Commentary - Interest rate anticipation runs high
- Residential Market Commentary - Canadians prefer interest increases over inflation
- Residential Market Commentary - Surtax study riles industry
- Residential Market Commentary - Winter chill does not cool market
- Residential Market Commentary - BoC sings same song
- Bank of Canada holds benchmark interest rates steady in final decision of 2021
- Residential Market Commentary - “Belabouring” interest rate increases
- Residential Market Commentary - Investors, increases and instability
- Residential Market Commentary - No rush for a rate hike
- Residential Market Commentary - Affordability woes
- Residential Market Commentary - The case for slower price growth
- Residential Market Commentary - A change in tone on inflation
- Bank of Canada holds benchmark interest rates steady, ends special quantitative easing
- Residential Market Commentary - Affordability and debt cause concerns
- Residential Market Commentary - Bubble, bubble toil and trouble
- Residential Market Commentary - The future of inflation
- Residential Mortgage Quarterly Review - Fall 2021
- Residential Market Commentary - Buying beats renting
- Residential Market Commentary - Goodbye city life?
- Residential Market Commentary - New factors affecting mortgages
- Residential Market Commentary - BoC on the sidelines but sending signals
- Bank of Canada holds benchmark interest rates steady
- Residential Market Commentary - A closer look at blind bidding
- Residential Market Commentary - A nuanced but notable signal from the U.S. Fed
- Residential Market Commentary - Election housing promises
- Residential Market Commentary - Changing affordability and maximum mortgages
- Residential Market Commentary - What's ahead for interest rates
- Residential Market Commentary - Property: Bet you can’t own just one
- Residential Market Commentary - Interest rates vs. inflation
- Bank of Canada holds benchmark interest rates steady, publishes quarterly outlook
- Residential Market Commentary - The light at the end of the tunnel shines on more spending
- Residential Market Commentary - High prices trump stress test
- Residential Market Commentary - Mortgage debt milestone
- Residential Market Commentary - More moderation in May
- Residential Market Commentary - Worth more, spending less
- Bank of Canada holds benchmark interest rates steady, updates its economic outlook
- Residential Market Commentary - Looming election could lull housing policies
- Residential Market Commentary - Credit scores rise: good news and bad news
- Residential Market Commentary - Bank of Canada steps up to the bully pulpit
- Residential Market Commentary - Inflated inflation forecast
- Residential Market Commentary - Hot market to persist
- Residential Market Commentary - Interest rate uncertainty
- Residential Market Commentary - Getting better, faster
- The Bank of Canada made its interest rate decision today
- Residential Market Commentary - Remarkable March
- Residential Market Commentary - Tightening the stress test
- Residential Market Commentary - Eyeing inflation and interest rates
- Residential Mortgage Quarterly Review - Q1 2021
- Residential Market Commentary - Canadians remain committed to home ownership
- Residential Market Commentary - The return of concern about a housing bubble
- Residential Market Commentary - Light at the end of the COVID tunnel
- Bank of Canada holds benchmark rate steady, updates economic outlook
- Residential Market Commentary - Starting to feel the heat
- Residential Market Commentary - Inflation rising, for now
- Residential Market Commentary - Rapidly evolving expectations: The latest
- Residential Market Commentary - Rate rise rumours
- Residential Market Commentary - Sustaining the work from home society
- Residential Market Commentary - Hopes for home ownership stay strong
- Bank of Canada holds benchmark rate steady, updates economic outlook
- Residential Market Commentary - Christmas in December
- Residential Mortgage Quarterly Review - Q4 2020
- Residential Market Commentary - High demand, higher prices for 2021
- Residential Market Commentary - Autumn chill does not cool hot market
- Looking back on 2020 with Thomas Kim
- Residential Mortgage Commentary - Household debt creep resumes
- Bank of Canada holds benchmark rate steady, updates economic outlook
- Residential Market Commentary - Signs of a strong market amid economic confusion
- Residential Market Commentary - Strong market despite consumer concerns
- Residential Market Commentary - Canadians hoarding cash
- Residential Market Commentary - Financial Literacy Month
- Residential Market Commentary - Optimism: point, counterpoint
- Residential Market Commentary - Expectations remain positive
- Bank of Canada holds benchmark rate steady, updates economic outlook
- Residential Market Commentary - Canadian consumers’ cautious optimism
- Residential Market Commentary - More amazing market numbers
- Residential Market Commentary - Caution and patience as we look ahead
- Residential Market Commentary - Optimism strong in a weakening economy
- Residential Market Commentary - Housing market stable, but prices in question
- Market Memo: Remote work and some new realities
- Residential Market Commentary - Hot August for home sales
- Residential Market Commentary - Debt ratio dips, but not for everyone
- Bank of Canada holds benchmark rate steady, continues large-scale asset purchase
- Residential Market Commentary - Debt and delinquencies up, but under control
- Residential Market Commentary - A Big Fall, But a Bounce off the Bottom
- Residential Market Commentary - Just delayed, not dormant
- Residential Market Commentary - Feds seem split on mortgage policy
- Residential Market Commentary - Homeowners are shaking off COVID concerns
- Residential Market Commentary - Improving, but fragile
- Residential Market Commentary - Good news: inflation rises
- Residential Market Commentary - Robust rebound in June
- Bank of Canada holds benchmark rate steady, continues large-scale asset purchases
- Residential Market Commentary - Market optimism remains cautious
- Residential Market Commentary - A little less bad = the new good
- Residential Market Commentary - CMHC remains bearish
- Residential Market Commentary - Glimpses of optimism
- Residential Market Commentary - CMHC credit score criticism
- Residential Market Commentary - CMHC takes a bite out of purchasing power
- Bank of Canada holds the line on its benchmark rate
- Residential Market Commentary - Lenders: Living on the edge?
- Residential Market Commentary - Downplaying dire doomsayers
- Residential Market Commentary - Home sales fall, debt worries rise
- Residential Market Commentary - Pandemic predictions
- Residential Market Commentary - The new boss. Same as the old boss?
- Residential Market Commentary - Crumbling confidence
- Residential Market Commentary - March madness
- Bank of Canada holds the line on its benchmark rate
- Residential Market Commentary - What we know. What we can hope for.
- Residential Market Commentary - March limps away
- Bank of Canada lowers rates again and launches two debt market support programs
- Canadian and U.S. central banks respond to COVID-19
- Residential Market Commentary - Debt goes for a hike
- Market Memo: Presale shenanigans
- Residential Market Commentary - 2017's Q2 figures reveal an increase in risk to the Canadian economy
- Mortgage rule change hits first-time buyers the hardest