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James Laird on On The Money
Paying more, the rising cost of mortgage insurance
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| Date | Feature |
|---|---|
| BNN Bloomberg Taking Stock - Federal Budget overview | |
| CityTV Vancouver You’ll need to earn more than $230,000 if you want to buy a home in Vancouver | |
| Global News Some fixed mortgage rates are up despite hints of Bank of Canada cuts. Why? | |
| The Toronto Star Ottawa’s new 30-year mortgage rule won’t help solve the affordability crisis — here’s why | |
| Daily Hive Calgary What to expect from next week's Bank of Canada interest rate announcement | |
| The Toronto Star Think Toronto homes are a better deal now than the 2022 peak? A look at carrying costs paints a bleak picture — and it's getting worse | |
| CTV News Atlantic Atlantic Canada sees low inventory on housing market heading into 2024 | |
| Global News Variable or short-term fixed mortgage? Where experts see the ‘sweet spot’ | |
| CBC News Bank of Canada worries a rate cut now could overheat the spring housing market | |
| TVA Nouvelles Taux directeur, à quoi s'attendre? «On va voir des baisses de la Banque du Canada en 2024» | |
| The Canadian Press CMHC ends first-time homebuyer incentive, a program critics say 'made no sense' | |
| Financial Post Posthaste: Sidelined homebuyers just waiting for the Bank of Canada to cut rates | |
| CTV News Ottawa Here's how much you need to earn to buy a home in Ottawa this winter | |
| Noovo Info Le revenu minimum pour acheter une propriété à Montréal à la baisse... pour le moment | |
| Yahoo! Finance Canada Canada real estate: Income needed to buy a home falls nationwide in January | |
| The Globe and Mail Getting or renewing a mortgage in 2024? Four interest rate strategies to consider | |
| Noovo Info Quel revenu faut-il pour acheter un logement à Montréal au début de 2024? | |
| The Toronto Star Does it make sense to port your mortgage to the new house you just bought? | |
| Global News Fixed mortgage rates are on the decline. Is now the time to lock in? | |
| CBC News Some mortgage rates are dropping, but renewed loans could keep economy slow | |
| Global News Signs of lower interest rates could fuel Canada’s housing market rebound | |
| The Canadian Press Here's how October's inflation data could affect mortgage renewals | |
| The Toronto Star Toronto home prices are dipping — but you still need to make over $230K to afford one | |
| CBC News Inflation is cooling. The cost of living crisis is not | |
| BNN Bloomberg Taking Stock - Rates and debt in Canada | |
| Noovo Quel salaire faut-il pour acheter une maison à Sherbrooke? | |
| BNN Bloomberg Changes in home affordability | |
| Noovo Quel salaire faut-il pour acheter un logement à Montréal? | |
| The Globe and Mail Mortgage renewing soon? Here are four strategies to reduce the financial pain | |
| Calgary Herald Canadians need more income to buy a home | |
| Reuters Analysis: Little relief for indebted Canadian homeowners as mortgage rates seen higher for longer | |
| Global News Canadian home prices have stabilized. Will incomes ever catch up? | |
| BNN Bloomberg As home prices stabilize, the income required to own climbs | |
| CTV News Vancouver 'It's ridiculous': Annual income of $177,000 needed to afford to buy a home in Victoria | |
| Noovo Info L’accessibilité à la propriété s’est dégradée à Montréal entre mai et juin | |
| Global News Stretching mortgage amortizations could cost you more than you think | |
| The Canadian Press Watchdog unveils guidelines to support mortgage-holders under financial stress | |
| Financial Post Homeowners abandon variable-rate mortgages for fixed-rate alternatives as interest rates rise | |
| blogTO Here's what you need to earn to afford a home in Toronto vs. other cities in Canada now | |
| Conseiller Augmentation du taux directeur | |
| The Canadian Press What the interest rate hike means for mortgage holders, home hunters | |
| The Globe and Mail Bank of Canada rate hike a possibility this week, economists say | |
| Toronto Star Some experts say mortgage rates could drop next year. Is it time to go short term? | |
| Journal de Montreal Inflation: le coût d'un prêt hypothécaire a bondi de 28,5 % en un an | |
| Financial Post Posthaste: Canadians' love affair with variable-rate mortgages is over — now there's a new thing | |
| BNN Bloomberg GTA housing market showing signs of tightening: Toronto real estate board | |
| Global News ‘Never been a harder time’: Here’s the income you need to buy a home in Canada | |
| CBC News You'd need a raise of almost $20K to afford the same Calgary home you didn't buy last year | |
| Global News What's next as Bank of Canada's key interest rate holds steady | |
| TVA Nouvelles Hausse des taux d'intérêt: les constructions neuves chutent drastiquement | |
| The Globe and Mail Big mortgages, few listings and fierce competition: Welcome to the spring housing market of 2023 | |
| Conseiller Le secteur immobilier satisfait du maintien du taux directeur | |
| Global News What the Bank of Canada’s rate hold means for the spring housing market | |
| CBC News 3 reasons the Bank of Canada may be set to pause interest rate hikes | |
| BNN Bloomberg Taking Stock: As rates stay high, what's the best strategy on mortgage renewals | |
| Toronto Star How much income do you need to buy a home in Toronto? Thousands more than last year | |
| BNN Bloomberg Toronto extends deadline for Vacant Home Tax declarations | |
| Toronto Star A year of living dangerously: How the housing market went from euphoric high to major burden | |
| Toronto Star QuickQuotes: Reaction to the Bank of Canada’s latest rate hike | |
| Radio-Canada Que représente pour vous cette nouvelle hausse du taux directeur? | |
| Daily Hive What to expect from Bank of Canada's next interest rate announcement | |
| The Toronto Star Canada keeps mortgage stress test rate unchanged — so it now takes more than $200,000 in income to buy a typical Toronto home | |
| Global News Interest rates have soared in 2022. Here’s how much more you’re paying to borrow | |
| BNN Bloomberg Taking Stock - Rising rates effect on mortgages | |
| Daily Hive What to expect from the upcoming Bank of Canada interest rate announcement | |
| The Toronto Star Your mortgage interest payments are likely going up. Is there a way to reduce them? | |
| BNN Bloomberg Interest on some mortgages in 2022 up 250% from the previous year: RateHub.ca | |
| CTV News Analysis: The income you need to buy a house in these major Canadian cities | |
| La Presse Petite lueur d’espoir pour l’abordabilité des propriétés | |
| La Presse L’inquiétude hypothécaire en 10 questions | |
| The Hamilton Spectator Income of $167,000 needed to buy average Hamilton home: Ratehub.ca | |
| Niagara Falls Review Home buyers struggle to afford home despite falling prices | |
| Global News Trigger point: Why some mortgage holders may have to pay more as interest rates rise | |
| CTV News How another Bank of Canada interest rate hike could impact your mortgage | |
| CityNews Most GTA millennials who aspire to buy home would need to relocate: Poll | |
| CTV News Sellers 'expecting yesterday's prices': Canadians cope with a correcting housing market | |
| Reuters Canadian home buyers return to fixed-rate loans as economy wobbles | |
| La Presse Le logement encore plus inabordable | |
| Toronto Star You need an income of over $220K to buy a home in Toronto, Vancouver, new data shows | |
| La Presse Les réactions du milieu financier | |
| BNN Bloomberg What to know when switching your variable mortgage to a fixed rate | |
| Reuters Canada's CIBC 'comfortable' with mortgage book, watching for signs of stress | |
| CTV News CTV National News: Canada's interest rates rise | |
| Le Nouvelliste Taux directeur en hausse : les taux variables toujours avantageux | |
| The Globe and Mail Bank of Canada expected to announce another supersized interest rate hike to help temper inflation | |
| Toronto Star How much do you need to earn to buy a home in Toronto? Even more than you’d think | |
| Toronto Star Is Toronto’s housing market finally cooling? Experts say they’re already seeing signs it’s slowing down | |
| Calgary Herald Getting ready to buy: Tips for first-time buyers to prepare for house hunting | |
| Ratehub.ca Ratehub Inc. Rebrands Award-Winning Mortgage Brokerage from CanWise Financial to Ratehub.ca | |
| La Presse Fin de récréation dans les taux hypothécaires ! | |
| BNN Bloomberg As rates go up, so will the stress test: Ratehub.ca | |
| The Globe and Mail Central bankers and economists are practically screaming a warning of much higher rates on mortgages and HELOCs | |
| Global News Canada housing market showing signs of ‘cooling’ as more interest rate hikes loom | |
| La Presse L’effet sur l’inflation se fera attendre | |
| Les Affaires Une hausse du taux directeur pourrait coûter cher aux propriétaires | |
| La Presse Mieux vaut bloquer ses taux avant les hausses de la Banque du Canada | |
| The Globe and Mail Mortgages 101: What’s a mortgage and how to choose between fixed and variable rates in Canada? | |
| CTV National News Interest rates go unchanged | |
| BNN Bloomberg What BoC rate hikes mean for you, your portfolio and the economy | |
| The Toronto Star Singapore taxes investment homes up to 30 per cent. Could a similar tax cool off prices here? | |
| Financial Post Posthaste: 'Outlook for buyers is grim' — Big squeeze pushes housing affordability to worst in 31 years | |
| Reuters Canada keeps mortgage stress test benchmark unchanged despite hot housing market | |
| The Toronto Star How much income do I need to buy a home in Toronto? The answer is shocking | |
| Global News Canadians scramble to get mortgage pre-approvals as rate hikes loom | |
| BNN Bloomberg If you need a mortgage, get it right now. Or consider switching to a fixed mortgage from variable: RateHub.ca co-founder | |
| Yahoo! Finance Bank of Canada ends quantitative easing, signals rate hikes could come sooner | |
| Canadian Mortgage Professional Fintech crosses $10 billion in funded mortgages | |
| CBC News Bank of Canada holds key interest rates steady in cautious approach to economic recovery | |
| The Globe and Mail Expert tips on buying a new home, townhouse or condo | |
| Global News Reality check: How credible are the election promises on housing? | |
| CTV News Pattie Lovett-Reid: What the parties are promising for homebuyers | |
| The Toronto Star Tories, NDP pledge housing affordability solutions ahead of federal election | |
| BNN Bloomberg Mortgage rates hit historic lows close to free money: Mortgage professional | |
| Calgary Herald CMHC eases qualifying for mortgage insurance | |
| Yahoo Finance The lowest 5-year variable-rate mortgage in Canadian history is here | |
| CBC News New stress test level makes it harder to qualify for a mortgage in Canada | |
| CBC News Tougher stress test makes it harder to get a mortgage in Canada | |
| Calgary Herald Brokers expect expanded stress test rules to most affect first-time homebuyers | |
| Global News New mortgage stress test rules are coming June 1 | |
| BNN Bloomberg OSFI's stress test proposal will add fuel to housing market over next few months: Ratehub.ca co-founder | |
| The Toronto Star Canadian regulator might make it harder for some people to buy a home, in order to cool down the housing market | |
| CBC News Bank regulator proposes higher mortgage stress test level, making it harder to qualify for home loan | |
| CBC News Alberta pushes Ottawa for revisions to mortgage stress test as changes left on hold | |
| Yahoo! Finance Canadian banks raise some mortgage rates, lower others | |
| The Globe and Mail Canada’s mortgage rates edging higher for first time since start of COVID-19 pandemic | |
| CTV News Pattie Lovett-Reid: Bank of Canada governor sees signs of 'excess exuberance' in real estate market | |
| Calgary Herald ‘A good time to buy’: Albertans more positive about housing market than most Canadians | |
| Global News Thinking of taking on more debt? How to DIY your own financial stress test | |
| BNN Bloomberg Mortgage rates should stay low throughout 2021: Ratehub.ca co-founder | |
| The Canadian Press Home prices to rise more than 9% in 2021, Canadian Real Estate Association forecasts | |
| CTV News Real estate booming despite pandemic | |
| CBC News Mortgage rates hit a new low, with Canadian bank posting below 1% | |
| Newswire Ratehub Inc. moves into mortgage lending, doubles down on its digital brokerage model | |
| BNN Bloomberg Federal aid needed, but 'it will not be infinite': Freeland | |
| Calgary Sun No movement on The Bank of Canada's overnight rate | |
| Global News What to do if your mortgage deferrals are almost over and you can’t pay | |
| Yahoo! Finance Requirements for homebuyers ease after stress test rate falls | |
| Canada.com Low mortgage rate environment could last two or three years | |
| Financial Post Posthaste: Canada’s economy will struggle with the effects of COVID-19 for next 10 years, say economists | |
| MSN Money Refinancing and mortgage renewal requests soar as homeowners rush to reap the lowest rate | |
| CTV News COVID-19 pandemic pushes Canadian interest rates to near historic lows | |
| Global News What do the new CMHC rules mean for homebuyers? | |
| Mortgage Broker News Bank of Canada overnight rate decision shows confidence in economy's resilience | |
| Yahoo! Finance Tempted by low mortgage rates? Consider fees, penalties for refinancing first | |
| The Toronto Star Home sales are down 69% — is this a once-in-a-decade chance to get into Toronto’s housing market? | |
| Vice Canada Sadly, the Pandemic Could Be Millennials' Best Chance to Buy a House | |
| CBC News Interest rates are plunging — so why aren't mortgage rates? | |
| Financial Post Mortgage rates on the rise again as coronavirus and oil shock weigh on lenders' minds | |
| Global News Coronavirus: Need help with mortgage payments? There are options | |
| CP24 Immediate worry of COVID-19 spurred Bank of Canada rate cut, Poloz says | |
| CityNews Will the coronavirus affect the housing market? | |
| BNN Bloomberg Ottawa easing stress test for insured mortgages starting April 6 | |
| The Toronto Star Big banks lower five-year fixed mortgage rate | |
| CBC News Why worries about the coronavirus are pushing mortgage rates down | |
| Homes Magazine Outlook 2020 – 5 things you need to know about real estate this year | |
| Mortgage Broker News Exports, employment figures to force BoC rate cut next year | |
| Canada.com Why the mortgage stress test has proved so controversial for first-time homebuyers — and retirees | |
| Toronto Sun Learn the intricacies and risks of FTHBI before buying in | |
| Edmonton Examiner CPC launches four-prong approach to housing affordability | |
| Global News By the numbers: What to know about the Liberals’ new housing-incentive promise | |
| Mortgage Broker News Five-year fixed rates of as low as 2.39% now available | |
| BNN Bloomberg 5 ways the U.S. Fed's rate cut affects Canadians | |
| Mortgage Broker News Will 5-year benchmark interest rate cut really help buyers? | |
| Calgary Sun Bank of Canada's decision put hold on variable-rate mortgages | |
| Livabl The Canadian mortgage market is heating up. Here’s where it’s heading for the rest of 2019 | |
| CBC News Government lays out fine print of new CMHC program that could contribute 10% to price of first home | |
| Mortgage Broker News Mortgage rates are seeing some of their lowest levels in years | |
| Canada.com Bank of Canada holds its rate as was expected | |
| The Globe and Mail Bank of Canada urges lenders to offer longer-term mortgages | |
| MSN Money Bank of Canada holds interest rate steady, hints low rates could stick around | |
| Canadian Mortgage Professional Is Canadians' debt reaching a breaking point? | |
| Toronto Storeys Federal Budget 2019: New Incentives For First-Time Buyers | |
| Yahoo! News Bank of Canada holds interest rate steady but some suggest a rate cut could be back on the table | |
| Global News Rates are up, prices down. How tough is the mortgage stress test across Canada today? | |
| The Toronto Star Young families scrimp to own homes in Canada’s big cities, report finds | |
| MSN Money Mortgage stress test needed despite hardships, says bank regulator | |
| Canada.com Housing will be election issue for millennials | |
| Yahoo! Finance RBC lowers fixed mortgage rate, other banks expected to follow suit | |
| Huffington Post 5 things we can learn from real estate in 2018 | |
| Business News Network Expect downward pressure on fixed mortgage rates: Ratehub co-founder | |
| MSN Money Why Canadians Really Need To Change Lenders At Mortgage Renewal Time, Especially Now | |
| Homes Magazine Homebuyers undeterred by changes in mortgage landscape | |
| Mortgage Broker News Tips to repairing bruised credit | |
| Canadian Mortgage Trends New Rule Targets HELOC Holders Seeking a Second Mortgage | |
| Enterprise Magazine Higher mortgage rates predicted due to trade agreement | |
| Reno & Decor Magazine Interest rate hikes may not cost you as much as you think | |
| Yahoo! Finance Prospective 1st-Time Homebuyers Are Even More Screwed Than Before | |
| The Toronto Star Rate hike adds to homebuyers’ challenges, could shut out more first-time buyers | |
| Vancouver Courier BoC raises interest rates again – what that means for you | |
| Yahoo! News How The New USMCA Trade Deal Will Make Canadian Housing More Expensive | |
| Global News What you probably don’t know about renewing your mortgage | |
| The Globe and Mail Low credit score? How to appease picky mortgage lenders | |
| Canadian Mortgage Trends After the Hike: Fixed or Variable? | |
| Business News Network Why the Bank of Canada rate hike is a good thing | |
| Mortgage Broker News Toronto on fire thanks to record housing starts | |
| Canadian Real Estate Magazine Auto tariffs would hurt Toronto housing market | |
| Yahoo! News Scam or security? Mortgage protection plan still confusing home buyers | |
| Business News Network Ontario election primer: How the candidates' housing platforms could affect first-time homebuyers | |
| CBC News Banks cutting variable rate mortgages even as fixed ones head higher | |
| Business News Network The Real Economy for Monday, May 14, 2018 - James Laird on his mortgage shopping tips | |
| Mortgage Broker News Taking advantage of regulatory change | |
| Huffington Post Mortgage Rate War? BMO Offers What Is Possibly The Largest-Ever Discount On A Home Loan | |
| CBC News Bank of Canada's mortgage 'stress test' rate climbs higher | |
| Global News HELOC rates are going up – what you can do to avoid payment shock | |
| Mortgage Broker News Robust market fundamentals buoy investments | |
| Mortgage Broker News Canadian Mortgage Award winners reflect on accolades | |
| Global News Here’s the income you need to pass the mortgage stress test across Canada | |
| Mortgage Broker News Considering risk tolerance a must in the current borrowing climate | |
| The Globe and Mail Home truths: The financial product that turned into a $207-billion debt trap | |
| Business News Network Your Money Month: Should you get your mortgage with a credit union or a bank? | |
| Canadian Mortgage Professional James Laird and Matt Leggett featured on the CMP Hot List 2018 | |
| CityNews Are we getting shortchanged on savings accounts rates? | |
| Canadian Mortgage Professional The future will be digital | |
| The Toronto Star What to expect from rising interest rates | |
| The Globe and Mail BoC rate hike, coming on heels of new mortgage rules, hits home buyers | |
| CanWise Press Release Ratehub Inc. Raises $12 Million to Accelerate Growth of Mortgage and Insurance Offerings | |
| Business News Network The Impact of A Rate Hike On The Mortgage Market | |
| CBC News Stress tests, foreign buyers and higher rates likely to impact housing market in 2018 | |
| AM 640 - Global News Canadians to face stress test when borrowing from a federally regulated mortgage lender | |
| Maclean's How the new mortgage rules will affect homebuyers in 2018 | |
| MoneySense What the new mortgage rules mean for homebuyers | |
| Yahoo! News Proposed Mortgage Rules Will Reduce Your Home-Buying Power By 21%: Report | |
| Canadian Mortgage Trends What is the “Best” Mortgage Rate? | |
| Mortgage Broker News Lender takes BoC to task | |
| The Toronto Star Rate hike has consumers checking mortgages, debt load | |
| The Globe and Mail Interest rates are rising. Here's why your savings account isn't growing | |
| CBC News Big banks hike prime rates after Bank of Canada tightens monetary policy | |
| Huffington Post Canadians May Be Spending Too Much Of Their Income On Housing | |
| Business News Network Realtors brace for next mortgage crackdown amid shadow banking fear | |
| Financial Post Consumers feel pinch as banks pass on full BoC hike, but not all the cuts | |
| Huffington Post Get Ready For Higher Mortgage Rates, Canada | |
| Bloomberg Buffett-Backed Home Capital Taps 'Very Canadian' Insider as CEO | |
| Reuters Bank of Canada seen raising rates, first to follow the Fed higher | |
| Financial Post Bank of Canada expected to raise its key rate for first time in nearly seven years | |
| Global News What you need to know about mortgages if interest rates rise | |
| Business News Network Comparing GIC rates after Home Capital boosts yield on its GIC | |
| The Greater Fool It’s out there | |
| MSN Caution: Mortgage Rates Could Start Rising ‘As Soon As July' | |
| Reuters Canada's central bank acts to defuse housing market threat | |
| HiBusiness Mortgage Rates To Go Up Says CanWise President | |
| CBC News Paying more - James Laird on the rising cost of mortgage insurance | |
| Business News Network Why your mortgage is about to get more expensive | |
| CBC News U.S. Federal Reserve hikes key interest rate to twice that of Canada's | |
| CTV News Mortgage expert warns U.S. Fed will cause rate increases in Canada | |
| Global News What you need to consider before buying a home with family or friends | |
| Business News Network When it comes to your mortgage, don't forget to consider the term | |
| Financial Post Thinking about buying a home? Here are a few cold, hard facts to chew on | |
| Huffington Post 3 Reasons Americans Can't Just Move To Canada And Buy Up Our Homes | |
| The Globe and Mail Toronto condo buyers feeling the squeeze | |
| MoneySense Increase in CMHC fees will have little impact on buyers | |
| Financial Post Mortgage insurance premiums on the rise for Canadians, some by more than 10% | |
| Global News What the housing market could look like in 2017 | |
| Global News Canadian mortgage rates could rise under Ottawa’s new rules | |
| Maclean's Canadians could soon pay more for mortgages, say brokers | |
| Mortgage Broker News Captain of His Own Ship: James Laird's Career To Date | |
| Mortgage Broker News James Laird, President of CanWise Financial on CMP HOT LIST 2016 | |
| Mortgage Broker News Brokers react to FICOM decision | |
| Which Mortgage CMP Hot List 2015 | |
| Mortgage Broker News CBC paints brokers with same brush as ‘shadow’ lenders | |
| Mortgage Broker News What a fee-only model could look like | |
| Business News Network Personal Investor: Spring brings a mortgage rate chill | |
| Mortgage Broker News Broker expands into third market in less than a year of operations | |
| Mortgage Broker News Two Brokerages Join Forces | |
| Globe Adviser Toronto breaks $1-million barrier | |
| The Globe and Mail Toronto housing market gets richer as it hits record $1-million price tag | |
| Huff Post BC Will Canada's New Down Payment Rules Affect You? | |
| The Greater Fool The Confusers | |
| Home Openers How to develop a business plan that helps build your brand | |
| Reuters Canada surprise rate cut keeps housing party going | |
| News Max Canada's surprise rate cut keeps housing party going | |
| The Toronto Star Why first-time home buyers are still taking the plunge: Mayers | |
| Canadian Mortgage Trends Q&A with CanWise Financial’s James Laird | |
| Metro News Banks take hard look at mortgaging Toronto's micro condos |