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Where Are Mortgage Rates Headed

Where Are Mortgage Rates Headed

Where are Mortgage Rates Headed We have finally seen a bump up in interest rates. The 5 year government bond rate hit a low of about .60 in mid-September and is now pushing towards 1%. The lenders have reacted to this and we have seen the low rates of 2.59% on the 5...
Mortgage Penalties and Early Exit

Mortgage Penalties and Early Exit

Okay so you have a mortgage. Let’s face it, it’s a contract with terms, conditions, rights and obligations for both you and the lender. However, now for whatever reason you need or want to break the contract before the end of the term. Many mortgage lenders will allow...
How Brokers Operate

How Brokers Operate

Re-shared from canadianmortgagetrends.com: The vast majority of mortgage brokers recommend suitable mortgages, according to a new report from the Mortgage Broker Regulators’ Council of Canada (MBRCC). That’s vital because, as MBRCC Chair Kirk Bacon states, “Unsuitable...
Higher Mortgage Rates Are On the Horizon

Higher Mortgage Rates Are On the Horizon

As per the FinancialPost.com “It may be stressful to think about it but higher mortgage rates are on the horizon.” “The questions for homeowners is whether they can handle a hike in interest rates. Bank of Montreal says consumers should stress test...
Where Are Mortgage Rates Headed

Not All New Rules Are Old Rules

Not All New Rules Are Old Rules In the last four and a half years, federal regulators have instituted more than two dozen mortgage-related policies and regulations. It’s a well-intended attempt to engineer a market correction (the proverbial “soft landing”) and add...