Mortgage, Money and Dream – Our thoughts on Canadian Mortgage Market
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How to Prepare for Falling House Prices

There have been a lot of attentions on the slippery slope our house prices are taking. Few recent news releases added fuel to the fire. A research Firm, Capital Economics, recently suggested that in coming year the housing market will shed about past three years gains. The

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Chat with Helen Hwang-Hutchings, RBM, Equitable Trust

A couple of weeks ago I had a meeting with Helen to better understand the products offered by Equitable Trust and their guidelines. I was surprised by the number of products they offer and how client oriented the models are. Understanding its client base is an essential

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Lenders are dealing with a re-finance volume surge – on B side

After the recent regulation change by the finance ministry, one segment of the mortgage industry is the reaping the benefit. Few lenders are experiencing a noticeable increase in deal volume at the B side of their lending business. We have talked to few national lenders and they

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Predicting a Collapse – When and How

Today in an article – published in Macleans – Ben Rabidoux has outlined how the Made in Canada housing balloon will start to pop. Obviously the story starts with the suspected chief craftsman of the present situation – CMHC. The story assumed that CMHC would not be

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TD reaching out further

Like many other lenders TD bank also has options for non-prime borrowers. “Equity Key” product is one of such options. They rolled out the “Equity Key” product earlier this year. The Equity Key line offers loans to those borrowers who cannot produce income and job tenure documentations.

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B Lending – Is this really a risky business?

Alt-A, Subprime, B-Lending, so many names, all of them point to one single direction – risky loans. Recent problems in US housing industry have painted a bad picture of alternative to A lending. It is time for a pause and to think outside the box. Are they

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Bridge Financing – Let us chat

Mainly used in commercial lending Bridge Financing has it’s own niche. Although it is mostly a business tool, it does have a fair bit of use in residential sector as well. A number of lenders offer bridge financing but they fall short in providing details on these

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