Mortgage Policies & Legislation
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What Banks look for when reviewing your Condo Documents
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December 1, 2025 When you’re buying a condo or townhouse in Canada, the focus is usually on the unit: the floor plan, the location, the amenities, the view. ...

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Applications and Implications of Making Changes to Your Land Title
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November 3, 2025 Why would someone change names on a property title? Changing who appears on your property title is one of the most significant legal and ...

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Vancouver Condo Market 2025: Is Now the Time to Buy?
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Oct 26, 2025 Vancouver’s condo market is offering something it rarely does: a temporary pause in price pressure, paired with easing interest rates and ...

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Strategic Entry Points for First-Time Home Buyers in Vancouver
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Oct 25, 2025 For years, Vancouver’s real estate market was a battlefield — buyers lined up at open houses, offers came in hours after listing, and bidding ...

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Want to Fix Canada’s Housing Crisis? Make Mortgage Interest Tax Deductible.
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Oct 20, 2025 Let’s call it like it is — owning a home in Canada has become unattainable for the average person. Whether you’re a first-time buyer, a young ...

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Optimizing Debt Service Ratios (GDS & TDS) to Boost Your Mortgage Approval
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September 26, 2025 In Canada’s competitive housing market, qualifying for a mortgage often comes down to your debt servicing coverage ratios (DSCR). These ...

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Mortgage Stress Test in Canada: Outdated Burden or Necessary Guardrail?
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September 3, 2025 Once hailed as a safeguard against reckless borrowing, the Canadian mortgage stress test has quietly shifted into the background of our ...

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Real Estate Closing Costs – banks want proof you can pay for them
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August 15, 2025 This article aims to clarify the one-time closing costs incurred during real estate transactions and their role in your overall ...

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Could now be the moment for First Time Home Buyers in Canada?
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February 9, 2025 If you're a first-time homebuyer in Canada, you might be wondering if now is the right time to take the leap into homeownership. Over the ...

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My Condo is Worth Less Than What I Bought It For—Should I Be Concerned?
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January 26, 2025 If you bought a pre-sale condo in Vancouver a few years ago and are about to close on it in today’s unpredictable environment, be aware: if ...

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Interest Rates & New Mortgage Rules set to move real estate markets in 2025
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Jan 13, 2025 This is a recap summary of the embedded podcast player you’ll find at the top of this post. If you’re looking for a deeper dive into these ...

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30 year Amortization Makes a Comeback in Canada’s Mortgage Sector
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(October 5, 2024)   On August 1, 2024, the Government of Canada implemented significant reforms to its mortgage qualification process to help more Canadians, ...

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