by Allen Ehlert | November 8, 2025 | Economy, Mortgages, Personal Finance, Real Estate
… Why We Fear What We Asked For You’ve probably heard it for years: “We need more homes, so prices will come down and things will finally be affordable again!” Sounds logical, right? Build more houses, prices drop, everyone wins. But here’s the kicker—prices are now...
by Allen Ehlert | November 7, 2025 | Economy, Mortgages
What happened during the American financial crisis and could the stress test in Canada prevent the same crisis in Canada? The American financial crisis, commonly referred to as the Global Financial Crisis (GFC) of 2007-2008, was a severe worldwide economic crisis that...
by Allen Ehlert | November 4, 2025 | Economy, Lender, Mortgages
… The hidden limits of deposit-funded mortgages You’ve probably heard people say, “Banks have all the money, what’s the problem?” It’s a common thought. After all, we trust banks to be solid, stable, and loaded with cash. But here’s something most homebuyers—and even...
by Allen Ehlert | November 3, 2025 | Commercial, Economy, Mortgages, Real Estate
… Builders Think This Is the Key to Canada’s Housing Market There’s a new conversation heating up in real estate circles: What if we just opened the doors wide and invited foreign investors to buy up Canadian homes? For some in the home building industry, this is...
by Allen Ehlert | October 28, 2025 | Economy, Personal Finance
You’re doing everything right—working full-time, paying your bills, maybe even picking up a side hustle. But despite the long hours and steady income, you still feel like you’re barely treading water. Sound familiar? You’re not alone. Across Canada, more and...
by Allen Ehlert | October 24, 2025 | Economy, Mortgages, Personal Finance, Real Estate
… The Disappearing Dollar: Why Your Paycheque Buys Less of What Really Matters Let’s talk about something that’s been quietly eating away at Canadians’ financial future — purchasing power. Sure, your income might rise over time, and the news might say inflation’s...
by Allen Ehlert | October 10, 2025 | Economy, Mortgages, Personal Finance, Real Estate
How Canada’s Prime Rate Impacts You In an economy where a mere quarter-point adjustment can send ripples across markets, it’s worth noting that Canada’s prime rate influences over CA$1.69 trillion worth of residential mortgages. This staggering...
by Allen Ehlert | August 5, 2025 | Economy, Mortgages, Personal Finance, Real Estate
Why was it necessary for OSFI to mandate the implementation of the mortgage stress test? The Office of the Superintendent of Financial Institutions (OSFI) mandated the implementation of the mortgage stress test in Canada for several key reasons, primarily aimed at...
by Allen Ehlert | July 24, 2025 | Economy, Mortgages, Personal Finance
Demystifying the Inverted Yield Curve Phenomenon Have you ever wondered why investors are so obsessed with the inverted yield curve? Let’s dive into the world of finance and understand why this concept holds such significance in predicting economic trends. What...
by Allen Ehlert | July 23, 2025 | Economy, Mortgages, Personal Finance, Real Estate
… Why Canadians Pay More in Taxes than on Food, Shelter & Clothing Combined” If it feels like your paycheque doesn’t stretch as far as it used to, you’re not imagining things. Canadians today spend more on taxes than on food, shelter, and clothing combined—the...
by Allen Ehlert | July 16, 2025 | Economy, Mortgage Terms, Mortgages, Real Estate
…And Why It Matters More Than Ever If you’ve been chatting with clients or colleagues lately, you’ve probably noticed that the question on everyone’s mind is: Who’s actually buying real estate right now? It’s a fair question. The headlines are full of doom and gloom...
by Allen Ehlert | June 24, 2025 | Economy, Mortgages, Personal Finance
Decoding How the Bank of Canada Influences the Economy Using its intricate workings, let’s get into how the Bank of Canada steers interest rates to shape the entire economy. From influencing borrowing costs to guiding inflation, the BOC’s policies have a...
by Allen Ehlert | June 20, 2025 | Economy, Mortgages, Personal Finance, Real Estate
Let’s cut to the chase—owning a home in the Greater Toronto Area used to be a realistic goal for middle-income Canadians. Now? Not so much. If you’re earning a decent salary but still can’t afford to buy (or even rent without stress), you’re probably...
by Allen Ehlert | June 15, 2025 | Economy, Mortgages
Imagine you’re looking for your dream home in Canada. You find the ideal house in a friendly neighbourhood. But, when you apply for a mortgage, the OSFI’s strict rules can be daunting. You might ask why the mortgage stress test is so tough and what it means for...
by Allen Ehlert | June 11, 2025 | Economy, Mortgages, Personal Finance, Real Estate
Canada’s Financial Snapshot for Mortgage Renewal, Refinancing, or Buying Whether you’re renewing, refinancing, or getting ready to jump into homeownership, let’s sit down and chat about something that directly affects your financial future: Canada’s financial...
