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Eric Gall || March 22, 2019

Anatomy of mortgage changes

There is little doubt that housing sales have slowed down in the past year, due in large part to stricter mortgage regulations. Part of those regulations is a mortgage stress test that requires...

Eric Gall || March 15, 2019

The Canadian economy and the housing market

We are living in strange times, economically speaking. Mortgage stress tests have slowed the housing market and may be one of the reasons the Bank of Canada has signaled it may pause on increasing...

Eric Gall || December 06, 2018

The Upside of Alternative and/or Unregulated Lenders

A recent report from the Bank of Canada reviewed the impact of the government's policy changes on the mortgage market. It found that overall market activity had slowed -- something we knew would...

Eric Gall || October 03, 2018

Confused About Your Credit Score – You’re Not Alone

Here’s a typical scenario: You and your spouse are applying for a mortgage loan. You’ve had credit for years with three or four credit cards, a car loan and a line of credit. You always pay the...