Mortgage, Money and Dream – Our thoughts on Canadian Mortgage Market
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Does Real Estate market depends on consumers (buyers)?

Generation X and Y on Real Estate

After a lot of thinking, number crunching and hammering an analyst will present a number that still has high degree of uncertainty of being correct. That is how the financial analyses are,  the reason for their high degree of uncertainty is that it depends on many uncertain […]

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Bank of Canada – A Briefing on Canadian Residential Mortgage Market

Lensers share of residential mortgage market - Bank of Canada

Housing market and mortgage borrowing have been a thorn on the policymakers seats for a while. No one bar the buyers from buying a home and at the same time nothing stopping them to dig deeper into mortgage debt. From the supervisory perspective this is dangerous. This […]

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Weekly Dose of Vitamin – M: Banks reporting Week edition

Median Family Income - Canada 2013

All the big Canadian banks have completed their quarterly reporting. Except few, most have shown a shrinking trend. They are still in black by large factors but the investors were nervous as they want the banks to break record on profit every quarters. Mortgage News: Real-Estate News: […]

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Weekly Dose of Vitamin – M: Black Friday 2013 Edition

This weekend the credit card processing data center computers will require extra cooling. The wave of accumulating debt will flow and the overworked systems will heat up. Often I wish people happy shopping – happy holidays – is so much oldish. Paying off $500 in your mortgage […]

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Weekly Dose of Vitamin – M: Nov 22 2013 Edition

This week bond yields went down again. That was not enough though, to bring the rates down. Back-door rates dropped but the advertised rates are still the same. Mortgage News: Real-Estate News: Financial News: Other News: Thanks for reading. Have a good weekend.

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Weekly Dose of Vitamin – M: “Remembrance Day” 2013 edition

Canadian politicians are once again worried about boiling Real Estate Market. Last time they tighten the market – they ended up boosting the businesses of alternative lenders. This time they may actually kill the small fry lenders. The regulators are setting rules without properly looking at all […]

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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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Weekly Dose of Vitamin – M: Political trouble edition

This week there were so many news headlines. Our senators and Twitter, mayor all made it to the top of the headlines. Mortgage News: Real-Estate News: Financial News: Other News: Thanks for reading. Have a good weekend.

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Weekly Dose of Vitamin – M: Halloween / Diwali 2013 Edition

Many of us end up spending more than we can. Be it the grocery store or our wedding. Housing, should not be an exception either. Now the question was what drive us to spend more – asked Capital One. The answer was mainly against friends and spouses. […]

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Weekly Dose of Vitamim – M: no hike by BoC edition

Last week Bank of Canada decided to maintain its position on the sideline. Number of experts voiced their concern that this may encourage another round of real-estate price showdown. While low rate environment is good for housing price rise but it not the only factor. Keeping the […]

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Weekly Dose of Vitamin – M: Win 8.1 Edition

Microsoft released Windows 8.1 It is being installed as I write. The week was busy therefore missed on the writing. Mortgage News: Real-Estate News: Financial News: Thanks for reading. Have a good weekend.

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Weekly Dose of Vitamin – M: Thanksgiving Weekend

The interest rate market remains tight. Plummeting bond yield did not cause enough damage to the rate sheets. Few lenders dropped the rate by few drops but nothing major in sight. Mortgage demand started to show seasonal drop. Number of shoppers have declined. It is time to […]

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