The Economy

The structure of the regulatory framework for the mortgage industry in Canada is intricate and multi-layered, involving federal, provincial, and municipal entities along with key market participants such as the Bank of Canada and the Canada Mortgage and Housing...

Ontario Credit Lock/Freeze Law: Ontario has just added a powerful new consumer-protection tool to your financial toolbox: the ability to lock or freeze your credit file. Think of it like putting a digital deadbolt on your credit report. It will not stop every form of fraud, and it will not replace common sense, strong passwords, or careful monitoring, but it can make it much harder for someone to open new credit in your name.

Mortgage agents are boots-on-the-ground financial professionals who know what is going on in the economy in real time. As I talk to people, I often feel like a counsellor, as people share with me what is going on in their lives and what is happening with their employment situation.

Learn how The Bond Sector Consideration Premium accounts for sector-specific risks or other unique factors affecting particular bonds.

Explore how Canada’s gap in housing-enabled infrastructure impacts urban development and transportation networks for better city living.

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.

Determining how the Credit (Default) Premium compensates investors for the risk that the bond issuer may default on its payments.

Learn how the Bond Liquidity Premium compensates investors for the increased risk associated with longer-term bonds. .

Learn how the bond inflation premium compensates investors for the expected loss of purchasing power due to inflation over the bond’s term.

Learn how the Common Equity Tier 1 (CET1) ratio is a crucial metric used to assess the financial strength and stability of a bank.