
Opinion
Unique perspectives on mortgage matters from a cross-section of voices from both inside and outside of the industry.


The Sea Change in Canadian Mortgage Insurance
Few realize how dramatically Canada’s mortgage insurance market has changed.

Real Estate’s Double-Edged Sword
It’s easy to forget the power of leverage. With $100,000 of income, a creditworthy borrower can now qualify for almost three times the mortgage they

Can Mortgage Brokers Compete with Low Online Rates?
As mortgage brokers, we should assume our clients and prospects have access to much of the same information we do. But sometimes they don’t, and in such cases we can focus on finding the best lender solution.

Opinion: CMHC and Risk – Perspective vs. Spin
It’s so hard to have a calm intelligent debate about mortgage policy in Canada. And there’s a reason for it.

Combatting Mortgage Fraud: Scrap The Status Quo
Canada’s conservative nature means that we have a tendency to abide by the status quo, remaining committed to tradition and the processes that have historically

Siddall and Taylor Go Head-to-Head Over Housing
Note: This editorial piece was previously published on RateSpy.com. It is being reprinted with permission due to the important and timely issues raised. Rarely have

Kerzner: Your Involvement is Vital to the Mortgage Industry
We are all learners; as parents, as students, as leaders, as employees. An important part of learning, for me, is reflection. We can only really

Manulife Significantly Improves Its Product Line
Manulife officially entered the broker space two-and-a-half years ago to much fanfare. As a balance-sheet lender, brokers expected a wide array of balance-sheet products. The

Insurance Premiums May Rise in 2019
OSFI is tightening mortgage lending again. But this time, it’ll be less impactful for consumers. The banking regulator issued its final Mortgage Insurer Capital Adequacy