Mortgage, Money and Dream – Our thoughts on Canadian Mortgage Market
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Rate Outlook – Brief summary

canadian-5-yr-bond-yield-Sept-2014-2-years

We all know that the market is very volatile right now. Among all those volatilities there are certain indicators those are pointing towards a rate rebound. The short term interest rates like variable rates will go up in 2015 according to RBC Financial Market Forecasts. It has […]

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Canadian Housing awe continues

Recently, three institutions in three different occasions said the same thing – Canadian housing market is overvalued. OECD: IMF: Bank of Canada: All those reports point towards a housing related financial risk but how much of an actual risk exists in the market – everyone failed to […]

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Canadian mortgage market – a report by CAAMP

June 2014 - total number of Canadian Home owners by mortgage type
Canadian Mortgage Market - Outlook CAAMP publishes a regular report on Canadian mortgage market. The report made an argument that the mortgage regulation changes made in 2012 were detrimental towards housing market. The report pointed out that growth of residential mortgage demand is slowing down year-over-year. According [...]Read more

Regulators are watching Canadian housing and mortgage market

OSFI does not try to forecast about current state of Canadian residential mortgage market nor its future. It observes the market closely and is ready to take corrective action, if necessary to protect the interest of consumers, depositors and the lenders. This was told by Superintendent Julie […]

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OECD, Fitch and Bank of Canada Chief have nothing in common

OECD is very optimistic about Canadian economy. It thinks that Canada is heading towards the right direction and it will get out of the current economic turmoil soon. It thinks that Canadian economy will attain its glorious 2% inflation target by the end of 2015. In its […]

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Future of Canadian real-estate market is looking up: Report

The housing market is not going to crash in Canada, says a report by PwC (PricewaterhouseCoopers) and Urban Land Institute. If it is not going to crash then that is not good news for the ones who have been waiting at the sideline for last few years. […]

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No easing of quantitative easing – not yet

The US Federal Reserve Chairman Ben Bernanke did not want to withdraw stimulus from the market. There were recent speculations that feds may start to tighten the market soon – but that is not happening now – not till end of this year. According the US Federal […]

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Rates will go up and we know that – Poloz

A seven years bubble will leave a seven years crater once it bursts – according to Bank of Canada Governor Stephen Poloz. Although we have almost made it through the recession but few more miles still remain to be gained. Despite of him defining the most recent […]

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No overnight rate change in 2013 – 0.5% raise in 2014: RBC

In a report RBC predicted that Bank of Canada overnight rate is not going to go up this year. The bank indicates that chance are the rate may go up by 50 basis points in second half of 2014 but that depends on Canadian GDP and household […]

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Mortgage rate – moving up – and taking everything else up with it

Bank-of-Canada-5-year-bond-yield-sept-2013

Bond yields are climbing up fast. As a result mortgage rates are walking north too. At first glance it may look like that the lenders are making money – but that is not the case. As a matter of fact lenders – just like us – love […]

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Slow Market – Two more years?

Bank-of-Canada-household-credit

In the early ‘90s housing downturn – consumers remained worried about taking big loan for about 6 years. It took the market long time to start to recover and that risk avert mindset constrained credit growth in that period of time. If we can take a lesson […]

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No end in sight – Bank of Canada rate stagnation

Bank of Canada rate outlook

No one thinks that BoC is going to show any sign of movement tomorrow. We are going to see the stand still overnight rate for a while. Not only the low bond yield but also the long term promise of low short term rate also ticks the […]

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