Article archive
English articles documenting mortgage, real-estate, economic and household-finance analysis in Canada.
Articles retain their original publication dates. Rates, policies, market data and qualification rules may have changed since publication.Found 204 articles
An era creates the environment and markets set prices, but only what a household can keep becomes wealth. A practical framework for turning income, credit and time into durable assets in Canada.
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Is the Toronto housing market approaching a turning point? This analysis uses three leading indicators—ownership-oriented housing starts, Canadian mortgage rates, and landlord cash flow plus new listings—to assess the 2026 GTA market cycle.
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Should Canadian borrowers choose a variable or fixed mortgage in 2026? Henry Wang explains payment structures, prepayment privileges, HELOC options, rate risk and five personal factors to review before deciding.
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When tariff and employment uncertainty meet a weak GTA housing market, homeowners need options—not predictions. This guide explains how cash reserves, a HELOC, refinancing and conservative stress tests can reduce the risk of a forced sale without understating borrowing costs.
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The GTA housing market is moving from deep weakness toward a fragile balance, but shrinking listings are not the same as a broad recovery in demand. This August 2026 analysis covers TRREB data, rates, affordability, condo risk and practical decisions for buyers, sellers, self-employed households and renewing borrowers.
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From Q1 2021 to Q1 2026, average GTA condo rents rose by at least 20% across major unit types, while TRREB's March average home price fell from $1.098 million to $1.018 million—about 7%. This article explains the divergence through supply, demand and household risk management.
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The Bank of Canada held its policy rate at 2.25% in March 2026. With soft employment, moderate inflation and volatile bond yields, this guide explains what Canadian mortgage borrowers should weigh when choosing a fixed or variable rate at renewal.
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In January 2026, average GTA home prices returned to levels seen about five years earlier, while Toronto condo prices were close to early-2021 levels. Using a $600,000 condo example, this article compares five years of cash outlay, principal repayment and equity accumulation for owners, renters and rental-property investors.
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GTA resale activity entered 2026 after its slowest year in roughly two decades. With elevated inventory, cautious buyers and sellers withdrawing listings, this article examines whether the Toronto housing market may keep grinding along the bottom—or begin to offer carefully selected opportunities.
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Toronto real estate has created substantial long-term wealth, yet rising prices, borrowing constraints and household cash-flow pressure make homeownership harder to reach. This article examines that tension and the choices facing buyers and renters.
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Ontario Bill 60 changes parts of the landlord-tenant framework and reopens a broader debate about rent arrears, hearing delays, housing supply and the responsibilities carried by both landlords and tenants.
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Even if the Bank of Canada has limited room for further rate cuts, borrowers may still be able to reduce mortgage costs and cash-flow pressure through early renewal, fixed-rate conversion, strategic prepayments, HELOC-based debt restructuring or refinancing at maturity.
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