Canada’s Big Banks Bring Mortgage Lending to a Standstill
Despite a strong economy and relatively low mortgage rates, the idea of home ownership is slipping away. That’s because strict lending rules and a lack of innovation from Canada’s big banks …
Tag Archives: mortgage
Canada’s Mortgage Stress Test Derailed 40,000 Home Purchases in 2018
Homeownership is slipping out of reach for more and more Canadian homebuyers. And the reason is simple. The new mortgage stress test. At the start of 2018, the Federal government implemented a new stress test to ensure home buyers could …
Mortgage Stress Test Behind $15-Billion Drop in New Canadian Mortgages
The Federal government implemented a large number of strict lending rules in an effort, it said, to ensure the housing market remained stable. In addition to reducing the amortization period and eliminating down payments of zero, they also introduced a …
Finding the Right Mortgage Investment
People wanting to invest in the GTA housing market have a few different options to consider. One option is to approach a traditional mortgage lender and apply for a mortgage which will go towards buying a property. Another option is with a mortgage investment corporation (MIC),...
2018 Housing Market Forecast
Will 2018 be a volatile year for the GTA housing market? Or will buyers, sellers and investors experience flat prices and the positive impact of recent Government intervention, a hot rental market and the rate increase by the Bank of Canada?
Pricing
Amid any potential volatility, prices could...The Strength of the GTA Housing Market is a great Opportunity for Investors
For years, the pundits along with many in relevant industries have called for a crash of varying degrees in the GTA housing market. Despite some red flags along that way, the market continues to be strong and provide both a return and opportunity for investors and...
How is Liquidity Maintained in your Investment Portfolio?
Liquidity in any investment portfolio is key to increase your chances of receiving a healthy return and to combat the volatility that exists in most markets.
What is Liquidity?
The concept is simple. Liquidity refers to the degree to which an...Do You Qualify as an Accredited Investor?
For years, a MIC has been typically viewed as a sound financial opportunity, a chance to enjoy regular, healthy dividends while investing in a pool of mortgages.
Not everyone is eligible to work with a MIC, and those who are, will still...
Key Reasons to Work with a Mortgage Investment Corporation
To those new to this subject, Mortgage Investment Corporations (MIC) are a smart, productive way to invest in the housing market via mortgages. Essentially, a MIC manages a diversified pool of mortgages, and while it might sometimes be overlooked, there is a wealth of benefits for...