2026 Mortgage Predictions: Variable Rates Gain Popularity
Ratehub.ca expert Penelope Graham forecasts a shift to variable-rate mortgages in 2026, but warns many renewing homeowners will still face higher payments. Get the full analysis.
Category : Search result: mortgage affordability Canada
AI Helps Toronto Family Buy First Home, Saves $30K
A Toronto family achieved their dream of homeownership with an AI-powered real estate platform that refunded agent commissions. Experts predict AI will transform the housing market by 2027.
Canadian Mortgage Rates Edge Up in Early 2026
Leading default-insured mortgage rates in Canada have increased slightly at the start of 2026. Robert McLister analyzes the hikes and highlights regional deals, advising homeowners not to panic.
GTA home sales lowest since 2000, TRREB reports
Home sales in the Greater Toronto Area plunged to a quarter-century low in 2025, with only 62,433 properties sold. Experts blame economic uncertainty and call for government action to restore confidence.
Study: Mass Immigration Raised Canada's Housing Prices
A new economic analysis finds immigration-driven demand significantly increased housing prices and rents across Canada from 2012-2022, contradicting past government assurances.
Lawyer in murder-suicide case rapped for using AI in appeal
A Toronto lawyer linked to a deadly 2024 shooting faces criticism for submitting AI-generated legal arguments with phantom cases in his fight to regain his licence. Read the full story.
20% Mortgage Hike Looms for Montreal Homeowners in 2026
A significant mortgage payment increase of up to 20% is predicted for 2026, particularly impacting those who purchased homes during the pandemic. Learn the details and potential financial consequences.
Steady Rates to Stabilize Toronto Real Estate in 2026
After a turbulent 2025, stable interest rates and lower prices could restore confidence in Toronto's housing market this year, potentially boosting sales volume. Read the analysis.
Canadian Mortgage Holdouts Pay Price as Rates Drift Higher
Canadian homeowners who waited for lower mortgage rates are now facing higher payments as fixed rates drift into the 4% range. Experts warn that timing is crucial ahead of a major renewal wave by 2026.
FP's 2026 Outlook: Oil Prices, AI Bubble, Mortgage Renewals
Financial Post's Outlook 2026 video series forecasts higher oil prices, an AI investment frenzy, a wave of mortgage renewals, and trade challenges for Canada in the coming year.
Mortgage Outlook 2026: Renewals, Rates, and Refinancing
Expert Robert McLister forecasts the 2026 mortgage landscape: flat rates, record renewals, and tougher refinancing in hard-hit regions. Key insights for Canadian borrowers.
Dynamic Grocery Pricing: AI May Hike Food Costs
Food researcher Sylvain Charlebois warns AI-driven dynamic pricing in stores could cost families $1,200 more per year. Learn how digital shelf labels are changing the social contract of food.
2026 Financial Forecast: AI Bubble Risk and Market Outlook
Financial Post experts analyze key 2026 risks: AI investment bubble, soaring oil prices, and mortgage renewals. David Rosenberg warns of a classic bubble. Read the full Canadian market outlook.
5 Things to Know About Canada's Cost of Living Crisis
Inflation, food prices, and interest rates strained Canadian wallets in 2025. Explore five crucial facts about the affordability crisis and its impact.
Calgary's 2025 Housing Boom Leads Canada
Calgary's record housing starts in 2025 outpace Toronto and Vancouver, driven by a surge in downtown condo and rental projects. Discover the city's urban transformation.
Sinking Property Values Raise Red Flags for Mortgage Holders
Robert McLister warns that declining real estate prices may restrict renewal and refinancing options for many Canadians in the coming years, especially those who bought near the peak.
BoC Rate Hold to 2026: Variable Mortgage Outlook
The Bank of Canada signals a prolonged rate hold, stabilizing variable mortgages until late 2026. Learn how to navigate this period and prepare for potential future hikes.
Canadian Mortgage Trends Reverse: 5-Year Rates Surge 21%
New data reveals a major shift in Canadian mortgage preferences. Interest in five-year terms jumps 21% while investment property quotes crash to just 2%. Explore what this means for buyers and homeowners.
Canadian Mortgage Rates Climb Before New Year
Canadian mortgage rates increased this week, reversing a period of stability. Expert Robert McLister analyzes the uptick and forecasts a quiet period into January, barring bond market surprises.
Borrowers Gain Leverage in 2026 Mortgage Renewal Wave
A major wave of mortgage renewals in 2026 will shift power to Canadian borrowers. Experts predict lenders will offer better rates and perks to retain clients. Learn what this means for your renewal strategy.
Calgary Development Fees Jump 536%, Adding to Housing Costs
A new report reveals government fees on new Calgary developments have soared to $9,306 per unit, a 536% increase since 2010, adding pressure to housing supply and affordability.
AI-Driven Grocery Pricing Raises Ethical Concerns in Canada
Dynamic pricing powered by AI is entering Canadian grocery stores, potentially costing families $1,200 more per year. Experts warn it breaches consumer trust and fairness for essential goods.
Toronto Should Ditch Land Transfer Tax, Analyst Says
Following Calgary's move to reduce property tax hikes, calls grow for Toronto to scrap its municipal land transfer tax, which critics argue worsens housing affordability and distorts the market.
DOJ Fails to Re-Indict NY AG Letitia James
The Justice Department failed to secure a new indictment against New York AG Letitia James after a judge dismissed a prior case. Learn the latest on this politically charged legal saga.
CIBC Slashes 1-Year Fixed Mortgage Rate to 4.74%
CIBC offers Canada's lowest uninsured one-year fixed mortgage rate at 4.74%. Analysts warn of potential rate volatility ahead of key central bank announcements this week.
Vancouver mortgage broker fined for forging document
A Vancouver mortgage broker created a fake document to cover a mistake, leading to a fine and suspension. Read the regulator's full findings and the consequences.
Canadian Auto Loan Defaults Rise Sharply Amid Affordability Crisis
More Canadians are defaulting on car loans, with young and older borrowers hit hardest. High prices, long loan terms, and rising costs create a perfect storm for consumers and lenders. Read the full analysis.
Saskatchewan Realtors: Rent Control Fails Affordability
Saskatchewan Realtors Association explains why rent control worsens housing affordability. Learn why supply growth is the real solution for Canada's housing crisis.
44% in Prairie Provinces Need Help Buying Food
New report reveals alarming food insecurity levels across Canada, with Prairie provinces hit hardest. Learn how Canadians are coping with rising food costs.
Variable Mortgage Surge: Risks vs Savings
Canadian homeowners are flocking to variable-rate mortgages despite potential rate hikes. Expert analysis reveals whether the upfront savings justify the financial risk in today's uncertain economy.
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