Canadian Mortgage Trends

CMT was established in 2006 with two main goals: First, to ensure that Canada’s mortgage professionals stay updated on significant industry news and regulatory updates, enabling them to better assist their clients. Second, to equip Canadians with the knowledge and resources they need to make informed mortgage choices.

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Canada now expected to face deeper recession, Oxford warns

2 days ago | canadianmortgagetrends.com | Steve Huebl

Canada is now forecast to enter a deeper recession than previously expected, according to Oxford Economics, despite lower bilateral tariffs between Canada and the U.S.In its April update, the research firm cut its Canadian GDP forecast by 0.4 percentage points to just 0.7% growth in 2025, followed by a 0.2% contraction in 2026.
Have a side hustle? Here's what you need to know as tax filing deadlines draw near

1 week ago | canadianmortgagetrends.com | Sammy Hudes

11:27 AM• Personal Finance • Views: 2 Written by By Sammy HudesNo matter the side hustle, financial experts say it’s important to be aware of the rules surrounding your income declaration, especially as key deadlines for tax-filing season approach.
BoC holds rate at 2.75%, outlines two paths for economy as trade tensions cloud outlook

1 week ago | canadianmortgagetrends.com | Steve Huebl

While inflation eased to 2.3% in March, the Bank cautioned that short-term inflation expectations have risen as businesses and consumers anticipate ongoing trade disruptions. Employment conditions have also weakened, with job losses recorded in March. Additionally, household spending has shown signs of slowing, and business investment remains subdued amid growing uncertainty.
Inflation eases to 2.3%, but BoC still faces tough call on rates

1 week ago | canadianmortgagetrends.com | Brett Surbey

Headline inflation eased to 2.3% year-over-year in March, down from 2.6% in February and below economists’ expectations. Canada’s annual inflation decline was largely driven by lower prices for travel tours (-4.7%, down from +18.8% in February), gasoline (-1.6%), airfares (-12%), and cellular services (-8.8%). Offsetting some of the slowdown was the end of the GST/HST holiday on February 15.
BoC expected to pause this week, but more rate cuts still likely

1 week ago | canadianmortgagetrends.com | Steve Huebl

And with fresh inflation data landing just one day before the announcement, Tuesday’s CPI report could be what ultimately tips the scales. The central bank will announce its decision Wednesday morning, alongside a new Monetary Policy Report and revised forecasts. While economists broadly agree that rates are headed lower over time, a cut this week is far from a sure thing as policymakers balance growing recession risks against still-sticky inflation.
Mortgage Digest: Bond yields whipsaw, but fixed rates still have room to fall

1 week ago | canadianmortgagetrends.com | Steve Huebl

1:23 PM• Mortgage Industry News • Views: 8 Written by The volatility comes as markets react to U.S. tariffs, global economic risks, and a spike in investor anxiety—reflected in the VIX, also known as Wall Street’s “fear gauge,” which measures expected stock market volatility.
For young investors looking for bond exposure, it’s best to keep it simple: experts

1 week ago | canadianmortgagetrends.com | Michelle Zadikian

By Michelle Zadikian“If they’re just starting out, they don’t need to maybe source out an individual bond right away. I think there are a lot of products now that make it easy to get exposure and be a little more diversified, like ETFs,” Diana Orlic, a senior wealth adviser with Richardson Wealth, said in an interview. Most investors understand that having fixed income is part of a well-balanced portfolio, and yet many don’t quite know how to best get exposure to bonds.
AI is coming for mortgage underwriting — but underwriters aren’t going anywhere, lenders say - Mortgage Rates & Mortgage Broker News in Canada

2 weeks ago | canadianmortgagetrends.com | Steve Huebl

Artificial intelligence is already reshaping parts of the mortgage process — and it’s moving faster than some in the industry may realize. At a recent lender panel, several executives shared how they’re integrating AI into everything from pre-approvals to document scanning. But while automation is accelerating, the consensus was clear: underwriters still have a vital role to play, especially as deals grow more complex. “This is a people business.
FHSA sees strong uptake among young, high-earning Canadians in its first year

2 weeks ago | canadianmortgagetrends.com | Steve Huebl

In 2023, a total of 484,320 tax filers reported contributing to an FHSA, with a median contribution of $8,000—the maximum allowed for the year. The largest group of contributors were younger Canadians aged 25 to 34, who accounted for over 57% of all FHSA users. More than 61% of contributors earned over $60,000, suggesting the product has so far resonated most with higher-earning younger households looking to enter the housing market.
FOMC minutes show Fed remains cautious on rate cuts amid inflation and tariff risks

2 weeks ago | canadianmortgagetrends.com | Steve Huebl

Officials continued to view inflation as “somewhat elevated” and noted that recent data had come in hotter than expected, particularly in core non-housing services and goods. Participants also flagged rising near-term inflation expectations, attributing part of the increase to announced or anticipated tariffs.