The Economy
Get the Big Picture!
Understanding Bond Sector Consideration Premium
Learn how The Bond Sector Consideration Premium accounts for sector-specific risks or other unique factors affecting particular bonds.
Canada’s Missing Housing-Enabled Infrastructure
Explore how Canada’s gap in housing-enabled infrastructure impacts urban development and transportation networks for better city living.
Everything You Need to Know About The Risk-Free Rate (Base Rate)
Explore the intricacies of the risk-free rate (base rate), a crucial concept in finance that serves as a benchmark for assessing risk and determining discount rates.
Understanding the Credit (Default) Premium
Determining how the Credit (Default) Premium compensates investors for the risk that the bond issuer may default on its payments.
Understanding the Bond Liquidity Premium
Learn how the Bond Liquidity Premium compensates investors for the increased risk associated with longer-term bonds. .
Understanding the Bond Inflation Premium
Learn how the bond inflation premium compensates investors for the expected loss of purchasing power due to inflation over the bond’s term.
CET1 Ratio Says Canadian Banks Are Strong
Learn how the Common Equity Tier 1 (CET1) ratio is a crucial metric used to assess the financial strength and stability of a bank.
Real Estate Makes Canadians Wealthy
Unlock the secret to wealth in Canada; learn how your household net worth is bolstered by smart real estate investments.
Understanding Canada’s Prime Rate
Explore why Canada’s Prime Rate varies among banks and how it impacts your finances. Unravel the nuances behind these differences today.
Predatory Credit Limit Increases
Predatory Credit Limit Increases: In reality, this kind of unsolicited credit limit increase is a predatory tactic that can put you at a serious disadvantage – especially if you’re a mortgage client or planning to be one.
Big Banks Keep Winning at Renewal
Banks Winning Renewal Wars: If you’ve ever hit mortgage renewal time and thought, “Well this is convenient… my bank is suddenly very competitive,” you’re not imagining things. Mortgage renewals are where Canada’s chartered banks quietly flex their biggest muscles—often without advertising, without public rate wars, and without much resistance from borrowers.
USA vs Canada: Discharge Costs
USA vs Canadad: Discharge Costs: Why Americans don’t pay discharge costs and is their system better?
The Surge in Private Mortgages
Surge in Private Mortgages: If you’re a homeowner, buyer, realtor, or financial professional, you’ve probably felt it already. Deals are more complex. Financing conversations are happening earlier. And outcomes that used to be automatic now require real strategy. That’s not a slowdown—it’s a shift.
The Mortgage Business is Fixed
… How the Canadian Financial System is Fixed to Favour Chartered Banks If you’ve ever felt like the big banks are always one step ahead in the mortgage market—leading on rates, staying open when others pull back, and somehow winning business even when their products...
Consumer-Directed Finance Is Almost Here
Consumer Directed Finance: Let’s be real—getting a mortgage in Canada can sometimes feel like dragging a sack of bricks uphill. Between pay stubs, NOAs, bank statements, and all the back-and-forth emails, it’s no wonder many clients feel stressed before the real house hunt even begins. But what if I told you there’s a new way coming that could cut through the red tape, give you more control, and make the whole process smoother?
Where Does Mortgage Money Really Come From?
Ever sit across from a lender or mortgage broker and wonder, “Where are they getting all this money they’re handing out?” It’s a fair question. Most people think banks have vaults full of cash or some magical, bottomless pit of money. Not quite. The truth is, lenders have to “buy” money before they can lend it out.
Featured Publications
Articles
- Extended Amortizations and Hypothetical Calculations
Office of the Superintendent of Financial Institutions (OSFI) - Minimum Qualifying Rate for Uninsured Mortgages
Office of the Superintendent of Financial Institutions (OSFI) - Residential Mortgage Underwriting Practices and Procedures
Office of the Superintendent of Financial Institutions (OSFI) - Guideline on Existing Consumer Mortgage Loans in Exceptional Circumstances Financial Consumer Agency of Canada
Book: “The Program”
- Part 1 – Building Your Down Payment
- Part 2 – Mortgage Payoff Strategies
- Part 3 – Building Wealth Through Real Estate