Governor Tiff Macklem set an optimistic tone in a speech Thursday but kept it real with warnings about potential headwinds ... More

One of the most prominent discussion points between brokers, agents and their clients, the fixed-versus-variable debate, took a significant swing in 2022 as a big trend of ... More

A recent dip in GoC bond yields has provided some welcome relief – but more twists and turns could be ahead ... More

An analysis of homeowners' loan-to-value ratios reveals resilient position despite challenges. ... More

While rates have been steadily climbing for variable mortgages, fixed mortgage rates have been moving in the opposite direction. ... More

The Bank of Canada hiked its key interest rate by a quarter of a percentage point Wednesday, bringing it to 4.5 per cent. Here's a look at what the rate means, how analysts ... More

Canada’s national arrears rate ticked up from its all-time low in October, according to data from the Canadian Bankers Association. ... More

The Federal Reserve and Bank of Canada can afford to pause interest-rate increases now because inflation pressures are easing rapidly, according to a Bank of Montreal strategist. ... More

Canada's banking regulator has unveiled three new regulatory proposals that could further restrict mortgage lending pending a just-launched consultation period. ... More

Some industry analysts believe the time for rate hikes has come to an end. ... More

High home prices and rising interest rates over the course of 2022 have made it significantly harder for buyers to qualify for the average mortgage. ... More

With Canada’s banking regulator set to deliver its verdict in mid-December on whether changes to the mortgage stress test are required, a prominent economist at one of the ... More

The Bank of Canada is expected to conclude a historic year marked by high inflation and aggressive monetary policy tightening with one more interest rate hike on Wednesday. ... More

Fixed mortgage rates are slowly following bond yields and trending downward. ... More

At least two of Canada’s largest mortgage lenders allow borrowers to shift a portion of their interest costs onto the principal owed on their mortgages, helping them cope ... More

Already a source of huge debate in the mortgage industry since its introduction, the mortgage stress test came under scrutiny from executives at top Canadian lenders during a ... More

The Bank of Canada is almost done with its current series of rate hikes, but consumers should brace for higher borrowing costs before the end, according to central bank governor ... More

A new survey has found that 53% of Canadian mortgage borrowers are concerned about the prospect of higher monthly payments at renewal time. ... More

While homeowners with variable-rate mortgages brace for another expected hike next week from the Bank of Canada, fixed-rates are rising too, according to rate insiders. ... More

Despite today’s mortgage borrowers having to qualify at rates in excess of 6% and 7%, Canada’s banking regulator said no changes to the stress test are imminent. ... More

There has been a lot of discussion recently about how variable-rate mortgage holders could face their “trigger point.” We’re going to explore what that means, ... More

Trend builds on substantial annual increase in Canadian residential mortgage debt last year. ... More

The Bank of Canada's intention to "frontload" its path to higher rates means its policy rate could peak as early as September, according to a prominent CIBC ... More

The Bank of Canada has raised its benchmark interest rate by the largest amount in more than 20 years, sharply increasing the cost of borrowing in an attempt to rein in runaway ... More

Economists are predicting the Bank of Canada will hike its key interest rate by three-quarters of a percentage point on Wednesday as inflation rages on globally. ... More

An obscure feature of variable-rate mortgages may push up the monthly payments for an increasing number of borrowers. ... More

Experts say extending the amortization period for your mortgage could keep your monthly payments in check even as you face higher interest rates, but caution that doing so comes ... More

Economists believe it's even more likely Macklem will have the confidence to increase the benchmark rate the same as U.S. bank authority. ... More

Central bank highlights rising debt loads and falling home prices among ... More

The first quarter marked the fifth consecutive deterioration in housing affordability, and the worst drop yet, according to National Bank of Canada. ... More