Brett Surbey

Mortgage deselection: Can your lender choose not to renew your mortgage?

December 11, 2023 No Comments

With an estimated three million Canadians facing a mortgage renewal over the next 15 years, many borrowers are asking a very important question: does my lender have to renew my mortgage?

Higher interest rates eroding business and consumer sentiment: BoC

October 16, 2023 1 Comment

Between interest rate increases of over 450 basis points (4.50%) since April 2022, and an expectation of persistently high inflation, both Canadian consumers and businesses say they are now feeling the impact.

Canada’s mortgage stress test: Obsolete or still doing its job?

August 14, 2023 No Comments

Originally introduced to mitigate borrower default risks in the event of rising interest rates, some brokers now argue that Canada’s mortgage stress test is no longer needed with interest rates presumably near their peak.

Final week to provide feedback on proposed changes to the Canada Mortgage Bonds program

July 11, 2023 No Comments

This is the final week of the federal government’s consultation period for its proposed changes to the Canada Mortgage Bonds (CMB) program.

Canadian covered bonds retain high ratings despite market conditions: Fitch

June 22, 2023 No Comments

With the current combination of high interest rates, inflationary pressures, and higher mortgage payments, one would expect Canada’s structured bonds to decline in rating.

Mortgage deselection: Can your lender choose not to renew your mortgage?

Higher interest rates eroding business and consumer sentiment: BoC

Canada’s mortgage stress test: Obsolete or still doing its job?

Final week to provide feedback on proposed changes to the Canada Mortgage Bonds program

Canadian covered bonds retain high ratings despite market conditions: Fitch

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