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Canada must spend wisely — not just spend more: Don Pittis
10/28/2015 11:10:12 PM

"The definition of insanity is doing the same thing over and over again and expecting a different result."  

That is such a wonderful quote it doesn't really matter whether Albert Einstein actually said it or not, but it sure does seem to apply to global attempts to restart the world economy by making money cheap.


Cooper: Canadians fall prey to the politics of resentment
10/28/2015 11:08:36 PM
Historically low interest rates and an increase in population will spur Greater Victoria’s homebuilding activity to a 50 per cent increase this year, according to Canada Mortgage and Housing Corp. - See more at: http://www.timescolonist.com/business/homebuilding-forecast-looks-bright-in-crd-1.2096375#sthash.bCPSLr70.dpuf

Cooper: Canadians fall prey to the politics of resentment

 
Historically low interest rates and an increase in population will spur Greater Victoria’s homebuilding activity to a 50 per cent increase this year, according to Canada Mortgage and Housing Corp. - See more at: http://www.timescolonist.com/business/homebuilding-forecast-looks-bright-in-crd-1.2096375#sthash.bCPSLr70.dpuf
Historically low interest rates and an increase in population will spur Greater Victoria’s homebuilding activity to a 50 per cent increase this year, according to Canada Mortgage and Housing Corp. - See more at: http://www.timescolonist.com/business/homebuilding-forecast-looks-bright-in-crd-1.2096375#sthash.bCPSLr70.dpuf
Historically low interest rates and an increase in population will spur Greater Victoria’s homebuilding activity to a 50 per cent increase this year, according to Canada Mortgage and Housing Corp. - See more at: http://www.timescolonist.com/business/homebuilding-forecast-looks-bright-in-crd-1.2096375#sthash.bCPSLr70.dpuf
Historically low interest rates and an increase in population will spur Greater Victoria’s homebuilding activity to a 50 per cent increase this year, according to Canada Mortgage and Housing Corp. - See more at: http://www.timescolonist.com/business/homebuilding-forecast-looks-bright-in-crd-1.2096375#sthash.bCPSLr70.dpuf
Historically low interest rates and an increase in population will spur Greater Victoria’s homebuilding activity to a 50 per cent increase this year, according to Canada Mortgage and Housing Corp. - See more at: http://www.timescolonist.com/business/homebuilding-forecast-looks-bright-in-crd-1.2096375#sthash.bCPSLr70.dpuf
Historically low interest rates and an increase in population will spur Greater Victoria’s homebuilding activity to a 50 per cent increase this year, according to Canada Mortgage and Housing Corp. - See more at: http://www.timescolonist.com/business/homebuilding-forecast-looks-bright-in-crd-1.2096375#sthash.bCPSLr70.dpuf
Historically low interest rates and an increase in population will spur Greater Victoria’s homebuilding activity to a 50 per cent increase this year, according to Canada Mortgage and Housing Corp. - See more at: http://www.timescolonist.com/business/homebuilding-forecast-looks-bright-in-crd-1.2096375#sthash.bCPSLr70.dpuf
Montreal housing resale market stable, but condo starts drop significantly
10/28/2015 11:03:31 PM
Montreal housing resale market stable, but condo starts drop significantly
Canada’s real estate boom will come to an end in 2016, CMHC says
10/28/2015 11:01:57 PM

Canada’s real estate boom will come to an end in 2016, CMHC says


Will mortgage market save Harper from poor job numbers?
10/17/2015 10:51:02 PM
“The last employment report before the October 19 federal election has to be disappointing for the Harper campaign,” said Dr. Sherry Cooper, chief economist with Dominion Lending Centres. “The unemployment rate edged up to 7.1% - slightly higher than the 7% posting in August - and employment grew a mere 12,000, in line with modest expectations.”
MBABC takes fee disclosure concern to regulator
10/17/2015 10:48:24 PM
In a letter to The Registrar of Mortgage Brokers, the MBABC is voicing its disagreement with upcoming changes around fee disclosure requirements in British Columbia.
Regulators hint at coming rule change
10/17/2015 10:46:44 PM
 
FICOM will soon implement more rigorous disclosure rules for mortgage broker in British Columbia, according to the MBRCC; much to the confusion of one leading industry player.
MBABC takes fee disclosure concern to regulator MORTGAGE BROKER NEWS
10/17/2015 10:44:52 PM
 
In a letter to The Registrar of Mortgage Brokers, the MBABC is voicing its disagreement with upcoming changes around fee disclosure requirements in British Columbia.
Donations to Alberta's NDP plummet in most recent fiscal update
10/17/2015 10:37:10 PM
Here you can type the beginning of your post. It will be displayed on the main page of the blog.
Federal Access to Information law 'effectively crippled': new study
10/17/2015 10:29:24 PM
Jim Bronskill, The Canadian Press
Published Friday, October 16, 2015 11:17AM EDT
Last Updated Friday, October 16, 2015 1:17PM EDT

OTTAWA -- The federal access-to-information law is "effectively crippled" as a means of promoting accountability, says a new study that tested open records legislation across the country.

Leaders rally across Canada in campaign's last hours
10/17/2015 10:25:40 PM

Leaders rally across Canada in campaign's last hours

Christina Commisso, CTVNews.ca
Published Saturday, October 17, 2015 3:13PM ED
Canada election: will anti-Harper sentiment be enough to bring progressives to power?
10/17/2015 10:23:30 PM

Polling suggests Stephen Harper could lose to Justin Trudeau, but as Canadians prepare to vote on 19 October, recent election upsets in the UK and Israel have taught observers to take polls with a grain of salt.

Mad about your mortgage? Twitter is your best friend
10/17/2015 9:57:30 PM

Mad about your mortgage? Twitter is your best friend

Mortgage Refinance Interest Savings (Canadian)
10/17/2015 9:30:52 PM
How much interest can you save if you refinance your mortgage? This calculator helps you find out! Enter the specifics about your current mortgage, along with new loan amortization, rate and closing costs. We will then determine how much interest refinancing can save you.
Monthly housing expenses worksheet
10/17/2015 9:15:25 PM

Monthly housing expenses worksheet

Summary: Three steps to successful mortgage shopping
10/17/2015 9:13:36 PM

Summary: Three steps to successful mortgage shopping


Your rights and responsibilities
10/17/2015 9:12:23 PM

Federally regulated financial institutions (such as all banks, as well as some insurance companies and trust and loan companies) must provide you with certain important information about your mortgage, in clear language, in or with your mortgage agreement. Depending on what type of mortgage you get, the information required can vary. The most important information will be summarized in a box like the examples below.

Other costs to consider
10/17/2015 9:10:47 PM

Closing costs are upfront costs that you must pay when you purchase a home, usually before you move in. Your lawyer can help explain these costs. In addition to your down payment, you must have funds available to cover these extra costs.

Qualifying for a mortgage
10/17/2015 9:00:11 PM

Mortgage lenders or brokers will use your financial information, including your income and debts, to determine how much they can lend you. They will use two financial formulas to help them:

Understanding the pre-approval process
10/17/2015 8:58:26 PM

A pre-approval is a preliminary discussion with a potential mortgage lender to find out the maximum amount they will lend you and at what interest rate. With a pre-approval, you can do the following:

Check your credit report first
10/17/2015 8:57:01 PM

Before you start shopping around for a mortgage, you should order a copy of your credit report to make sure it does not contain any errors. A credit report is a summary of your financial history. It shows your previous and current debts, and whether or not you’ve had any problems in the past paying off those debts.

Mortgage options
10/17/2015 8:53:31 PM

Porting a mortgage refers to transferring some or all of the terms and conditions and outstanding balance of the mortgage on your existing home to a new property while remaining with the same lender.

Home equity lines of credit (HELOC)
10/17/2015 8:51:48 PM

A home equity line of credit (HELOC) is a revolving line of credit secured by your home. You can borrow money up to the credit limit, which is usually a percentage of your home’s value.

Mortgage security registration: standard charge or collateral charge
10/17/2015 8:50:23 PM

When you are shopping around for a mortgage, ask each lender you contact whether they will register the mortgage security as a standard charge or a collateral charge. Standard charges are also known as conventional charges, non-collateral charges, traditional charges, traditional residential mortgages, residential mortgages, deeds of hypothecary loan and retail mortgages.

Other insurance options
10/17/2015 8:47:36 PM

Mortgage life insurance pays the balance on your mortgage to the lender in the event of your death. This can be useful if you have dependants or a spouse who might like to stay in the home after your death, but who might not be able to continue making the same mortgage payments as before.

Mortgage default insurance
10/17/2015 8:46:03 PM

Mortgage default insurance (sometimes called mortgage loan insurance) protects the mortgage lender in case you are not able to make your mortgage payments. It does not protect you.

Payment frequency
10/17/2015 8:42:02 PM

Payment frequency refers to how often you make your mortgage payments. Options include:

Interest rates: fixed, variable or hybrid
10/17/2015 8:40:42 PM

When you apply for a mortgage, lenders may offer you options with either fixed or variable interest rates. Some lenders also offer a “hybrid” option that combines fixed and variable portions in the same mortgage.

Mortgage term
10/17/2015 8:37:41 PM

The mortgage term is the length of time your mortgage agreement, including the interest rate, will be in effect. Terms can range from just a few months to five years or longer.

Amortization period
10/17/2015 8:34:12 PM
The amortization period is the length of time it takes to pay off a mortgage in full.
Mortgage types: open or closed
10/17/2015 8:32:57 PM
Most lenders offer two types of mortgages: open and closed.
Mortgage payments: interest versus principal
10/17/2015 8:31:24 PM
  • Payments are split between interest and principal. For each mortgage payment you make, the money is first used to pay the interest on your mortgage loan. The rest of your payment is then used to reduce the principal, which is the amount that you borrowed from the lender.
Home Buyers’ Plan Financial Consumer Agency of Canada
10/17/2015 8:29:52 PM

The Home Buyers’ Plan (HBP) allows you to withdraw money from your Registered Retirement Savings Plan (RRSP) tax-free to use for a down payment.

You must meet certain conditions to be eligible for the HBP. For more information, contact the Canada Revenue Agency (CRA).

Step 1: Know what you need and want in a mortgage
10/17/2015 8:28:02 PM
Financial Consumer Agency of Canada MORTGAGE INFORMATION
10/17/2015 8:26:13 PM

Buying your first home: Three steps to successful mortgage shopping

Hazel McCallion To Harper In New Liberal Ad: 'Stephen, Do I Look Scared To You?' CANADA ELECTION NEWS
10/17/2015 6:29:15 PM

A woman described as a Canadian political legend is accusing Stephen Harper of behaving like a phone scammer who targets seniors.

Rick Mercer's Last Rant Before Election Nails Politics' Biggest Problem CANADA ELECTION NEWS
10/17/2015 6:15:51 PM

Rick Mercer's Last Rant Before Election Nails Politics' Biggest Problem


Doug Ford Says Justin Trudeau Can't Lead Because He Smoked Weed The Huffington Post Canada | By Jesse Ferreras Posted: 10/15/2015 6:33 pm EDT Updated: 10/15/2015 6:59 pm EDT CANADIAN ECONOMY NEWS
10/17/2015 6:12:38 PM

Doug Ford Says Justin Trudeau Can't Lead Because He Smoked Weed

Posted: Updated:

Joseph Boyden On Harper, First Nations, The Election, And Canadian Racism
10/17/2015 6:07:59 PM

The irony of this federal election campaign is that no matter who is elected on Oct. 19, many of the most pressing issues — energy, housing, health care — ultimately fall under provincial jurisdiction. There’s really only so much that the next government can do on its own.

Texas Oil Tycoon T. Boone Pickens' $700-Million NAFTA Lawsuit Against Ontario Nears End CANADA ECONOMY NEWS
10/17/2015 6:02:04 PM

Texas Oil Tycoon T. Boone Pickens' $700-Million NAFTA Lawsuit Against Ontario Nears End

Blue Jays A Drag On The Economy? CIBC Says Yes Maybe
10/17/2015 5:58:20 PM

You might think that the Blue Jays’ winning streak this year has been good for the economy, as excitement around the team pushes up ticket and sports-bar sales.

With Election Looming, Canadian Business Mood Turns Downright Foul MORTGAGE BROKER NEWS
10/17/2015 5:53:47 PM

With Election Looming, Canadian Business Mood Turns Downright Foul

Why You Might Want To Switch To A Fixed-Rate Mortgage
10/16/2015 9:03:16 PM
OTTAWA — The difference between the interest on a variable-rate mortgage over a fixed-rate loan has shrunk compared to where it was just a few years ago, making fixed-rate offerings more tempting.
Posted: Updated:
Personal debt level concerns are overblown…! MORTGAGE BROKER NEWS
10/16/2015 8:47:40 PM
There’s a lot of talk in the media about Canadians carrying too much debt.   We’re getting hammered with messages of ‘record high personal debt levels’.   It’s true.  Our mortgage balances are higher, car loans are higher, student loans are higher, personal loans and lines of credit balances are higher.

Consider penalties as well as rate when shopping for a mortgage MORTGAGE BROKER NEWS
10/16/2015 8:44:19 PM
OTTAWA -- Mortgage rates are near-record lows, but brokers say those shopping around for a loan should look beyond the rates they're being offered and pay close attention to how much it will cost to break their mortgages.
Craig Wong, The Canadian Press
Published Thursday, October 15, 2015 9:55AM EDT
It's time for many Canadians to abandon the 20% down-payment rule MORTGAGE BROKER NEWS
10/16/2015 8:31:29 PM

You’re the buyers who keep pushing house prices higher in cities such as Vancouver, Toronto and Hamilton. Incomes are edging higher in these cities, prices are surging. If you’re primed to buy anyway, then listen up. Stop trying to save a 20-per-cent down payment and get into the market now.

Tragedy Shakes Mortgage Industry MORTGAGE BROKER NEWS
10/16/2015 8:28:58 PM
Shock and sadness are reverberating throughout Canada’s mortgage industry following an apparent murder-suicide that has struck painfully close to one of its own.
An economy renowned for sobriety has binged on debt MORTGAGE BROKER NEWS
10/16/2015 8:24:12 PM

WHEN Lehman Brothers collapsed in 2008 and the world economy entered its worst slump since the Great Depression, Canada stood out as a haven of tranquillity. Its economy contracted along with those of other rich countries. But Canadian borrowers and banks had not indulged in the subprime follies of the United States and parts of Europe. Its recession was milder and its recovery stronger, partly thanks to higher oil prices. Canada performed so well that Britain poached its central-bank governor, Mark Carney, to run the Bank of England.

BMO Wealth Institute Report: A Quarter of Canadians Are Using Debt to Build Wealth MORTGAGE BROKER NEWS
10/16/2015 8:20:21 PM

- Thirty-six per cent of Canadians say debt makes them feel nervous and insecure - Forty-seven per cent of Canadians believe that the high level of debt in Canada has been influenced by rising real estate values - Low interest rates have persuaded 35 per cent of Canadians to pay down their mortgage

Finance Canada closely monitoring shadow mortgage lenders: Documents
10/16/2015 8:14:17 PM

TORONTO -- Government documents suggest the federal Department of Finance is keeping close tabs on shadow mortgage lenders, a fast-growing segment of the market that could threaten the country's financial stability if left unregulated.
Alexandra Posadzki, The Canadian Press
Published Thursday, October 15, 2015 5:49AM EDT

No Warning MORTGAGE BROKER NEWS
10/16/2015 8:11:57 PM

As a broker, most lenders give you a heads up before they raise rates. It’s a professional courtesy, and an important one.
October 13, 2015  Robert McLister  845

Regulators hint at coming rule change
10/16/2015 8:09:14 PM
 
FICOM will soon implement more rigorous disclosure rules for mortgage broker in British Columbia, according to the MBRCC; much to the confusion of one leading industry player.
by |
Government eyeing ‘shadow’ lenders
10/16/2015 8:07:03 PM
 
Documents from a meeting between the Department of Finance, the Bank of Canada, and CMHC suggest the department of finance is keeping a close eye on private mortgage lenders – but do brokers have anything to worry about?
by |
Will mortgage market save Harper from poor job numbers? MORTGAGE BROKER NEWS
10/16/2015 8:04:48 PM
 
“The last employment report before the October 19 federal election has to be disappointing for the Harper campaign,” said Dr. Sherry Cooper, chief economist with Dominion Lending Centres. “The unemployment rate edged up to 7.1% - slightly higher than the 7% posting in August - and employment grew a mere 12,000, in line with modest expectations.”
by |
Tories look to borrow a page from Australian playbook MORTGAGE BROKER NEWS
10/16/2015 8:03:16 PM
 
As voters get ready to head to the polls on Monday, investors are still being wooed by the incumbent Conservatives who are promising to consider a ban on foreign investors who to buy existing residential housing in tight markets such as Toronto and Vancouver, an idea they’ve borrowed from their counterparts down under.
by |
Home prices continue to grow MORTGAGE BROKER NEWS
10/16/2015 8:01:41 PM
 
The indomitable Vancouver and Toronto markets continue to drive housing price gains, evidence of inventory challenges that continue to plague key markets.
by |
‘Viking of the mortgage industry’ conquers the airwaves MORTGAGE BROKER NEWS
10/16/2015 7:59:35 PM
If you listen to the radio – specifically 102.1 The Edge in Toronto – you might have noticed a unique advertisement by a mortgage broker who refers to himself as the Mortgage Warrior.
by |
Candidates weigh in on BoC MORTGAGE BROKER NEWS
10/16/2015 7:57:22 PM
If these politicians have their way, the Bank of Canada’s mandate will not be altered once they take office.
by |
Sorry experts, the housing market sky isn’t falling MORTGAGE BROKER NEWS
10/16/2015 7:55:35 PM
 
“There is a lot of work involved in taking that press and taking the spin out of it – to put the facts into perspective and actually mitigate the sensational headlines,” said Peter Juretic, a director at MCAP.
by |
Access and marketability key when getting a mortgage on a cottage MORTGAGE BROKER NEWS
10/15/2015 2:19:54 AM
OTTAWA -- Whether you call it a cottage, a cabin or a camp, when the temperature begins to rise, the dreams of sitting on the dock at a place of your own start this time of year.
Craig Wong, The Canadian Press
Published Thursday, May 21, 2015 11:11AM EDT
Self-employed Canadians looking to buy homes face tougher rules MORTGAGE BROKER NEWS
10/15/2015 2:15:45 AM

 TORONTO -- Cameron Klem, a business owner in the construction industry, is looking to sell his home in Edmonton and buy a new one closer to the school his fiancee, a teacher, has been transferred to.

Alexandra Posadzki, The Canadian Press
Published Monday, July 27, 2015 6:07AM EDT
New home construction slows, especially in Calgary: CMHC
10/15/2015 2:12:10 AM

New home construction slowed in July for the first time in three months, mostly as a result of fewer multi-unit projects started in urban areas -- particularly Calgary, said the Canada Mortgage and Housing Corp. Tuesday.

an Bickis and David Paddon, The Canadian Press
Published Tuesday, August 11, 2015 9:41AM EDT
Last Updated Tuesday, August 11, 2015 5:14PM EDT
Nearly one in six couldn't handle $500 increase in mortgage payment: poll MORTGAGE BROKER NEWS
10/15/2015 1:56:17 AM

OTTAWA - Nearly one in six Canadians would not be able to handle a $500 increase in their monthly mortgage payments, a new survey from the Bank of Montreal suggests.

Tories would gather data on foreign home ownership if re-elected: Harper MORTGAGE BROKER NEWS
10/15/2015 1:51:55 AM

Conservative Leader Stephen Harper said on Wednesday that his government, if re-elected, would begin collecting data on foreign ownership of Canadian real estate – and would consider new taxes and regulations to ensure housing remained affordable.

HomeNews Mortgage Brokernews Home News TV Forum E-mag Special reports Profiles Subscribe Advertise Buyers breaking rules to purchase real estate MORTGAGE BROKER NEWS
10/15/2015 1:50:06 AM
 
A Globe and Mail investigative report revealed affluent Chinese investors are breaking one of their country’s laws -- which limits the amount of money that can be removed per year – often to purchase Vancouver real estate; all with the help of large financial institutions.
Brokers, this should help you plan your business until 2019 MORTGAGE BROKER NEWS
10/15/2015 1:33:08 AM
One of Canada’s largest banks has released an economic forecast, which includes an interest rate outlook that goes as far as 2019 – so when can brokers expect to see rate hikes?
In the lead-up to CAAMP, lenders have already divulged some new products
10/15/2015 1:31:16 AM
It may be raining in Whistler, but brokers attending the Dominion Lending Centres National Sales Conference didn’t let that dampen their spirits at a tradeshow where Caesars flowed as well as product news from major lenders.
Putting together a follow-up marketing system that works MORTGAGE BROKER NEWS
10/15/2015 1:27:44 AM
It has been reported that over 80% of mortgage professionals fail within their first two years! That’s a staggering statistic. My hunch is, most of these mortgage professionals throw in the towel, not because they dislike the business, but because they can’t afford to eat. I know several cases where they exit the business with their families in total financial ruin. And believe it or not, it gets worse.
Providing training to Realtors pays off, says broker MORTGAGE BROKER NEWS
10/15/2015 1:24:48 AM
 
They’re two of the biggest broker networks in the country, and their brokers – and the industry -- benefit from the expertise of dedicated economists.
Brokers on a big industry advantage MORTGAGE BROKER NEWS
10/15/2015 1:22:47 AM
 
They’re two of the biggest broker networks in the country, and their brokers – and the industry -- benefit from the expertise of dedicated economists.
Broker accountability on private mortgages MORTGGAGE BROKER NEWS
10/15/2015 1:18:49 AM
As private deals become more prevalent, brokers need to be aware of their responsibilities not only to the client, but to the lenders as well.
Credit Union gets international cred with B-Corp certification MORTGAGE BROKER NEWS
10/15/2015 1:15:27 AM
“We are proud to be Canada’s first credit union to become B-Corp (B-Corporation) certified,” said DUCA Financial Services Credit Union’s President and CEO Richard Senechal. “The achievement underlines DUCA’s core values of putting people before profits and empowering our members to do more, be more and achieve more.”
Leading lender provides tips to expedite deals MORTGAGE BROKER NEWS
10/15/2015 1:10:10 AM
Brokers have dealt with longer than average turnaround times for deals this year and one lender has some advice for players.
by
Poloz hints at future policy MORTGAGE BROKER NEWS
10/15/2015 1:07:17 AM
Brokers can breathe a sigh of relief, following Stephen Poloz’s latest comments on what role the central bank should play in setting economic policy.
Programs and Financial Assistance
10/14/2015 6:50:29 PM

Did you know that CMHC invests $2 billion a year to help Canadians find quality, affordable homes?

Adaptable Homes
10/14/2015 6:49:00 PM
Adaptable housing design allows homes to be easily modified to meet changing needs over time, while reducing future renovation costs.
Accessible Homes
10/14/2015 6:48:07 PM
Accessible housing design accommodates everyone, including those with disabilities, including houses that are minimally accessible, houses that can easily be made accessible at a later date and houses that are completely accessible.
Green Housing
10/14/2015 6:46:30 PM
CMHC provides information to help you understand green building and renovating practices, ways to save both energy and water and how to make your home a healthier place for your family.
RENTERS Moving Out
10/14/2015 6:45:11 PM
You've found a better place to rent or maybe you've purchased your own home. It's time to move again. This segment is designed to help you through the transition.
RENTERS Issues During the Tenancy
10/14/2015 6:44:27 PM
This section addresses practical tenancy issues such as: process for regular repairs, defining emergency repairs, handling landlord-tenant conflicts, rent increases and lease renewals.
RENTERS Once a Rental Agreement has been Made
10/14/2015 6:43:38 PM
Planning the move, arranging new services, packing: now that you have rental agreement, you must take care of many things. These six sections will help you prepare for the transition to your new residence.
RENTERS Renting a Place to Live
10/14/2015 6:42:22 PM
You're prepared to look for a place to live and you have an appointment to visit a prospective rental accommodation. The information in this section will help you evaluate accommodations.
RENTERS Getting Started
10/14/2015 6:41:25 PM
Whether you are a first-time renter or an experienced tenant, finding the right place takes effort and time. The seven parts in this section will help you prepare to look for rental accommodations.
Settling in Canada City of Windsor PROFILE
10/14/2015 6:38:54 PM
Windsor is known as “the Quiet Giant.”  It has been named the “#1 Best Small City in North America” by London’s Financial Times, and one of the “Most Intelligent Communities in the World.”
Settling in Canada Waterloo Region PROFILE
10/14/2015 6:35:42 PM
Waterloo Region is a vital, prosperous place to live and work. The Region is a unique blend of three cities – Cambridge, Kitchener and Waterloo, and four rural townships –North Dumfries, Wellesley, Wilmot and Woolwich.
Settling in Canada City of Vernon PROFILE
10/14/2015 6:33:00 PM
Vernon is the northern hub of BC’s Okanagan Valley, known for its spectacular natural setting, recreational opportunities and warm climate.
Settling in Canada City of Sherbrooke PROFILE
10/14/2015 7:59:37 AM
Surrounded by lakes and mountains, Sherbrooke can be compared to an oasis in the heart of the Eastern Townships. The city benefits from the best advantages of both city and country living!
Settling in Canada City of Sudbury PROFILE
10/14/2015 7:55:05 AM
Greater Sudbury is known as the “Capital of the North”, an educational, cultural, business and transportation hub for the entire region.
Settling in Canada St. John’s PROFILE
10/14/2015 7:50:34 AM
St. John’s offers all the amenities of the greater Canadian community while keeping its “small town,” European flavour.
Settling in Canada City of Saskatoon PROFILE
10/14/2015 7:39:02 AM
Saskatoon is recognized as one of the best places to live in Canada, successfully combining big city amenities with small town hospitality.
Settling in Canada City of Saint John PROFILE
10/14/2015 7:33:34 AM
The Saint John Community is situated on the world-renowned Bay of Fundy, just 110 km from the US border. This strategic location on Canada’s Atlantic seaboard provides ready access to major markets in Atlantic Canada, Quebec, Ontario, and the northeastern United States
Settling in Canada ity of Québec PROFILE
10/14/2015 7:29:11 AM
A prosperous, attractive and friendly capital city, Québec is the cradle of French civilization in North America. The only fortified city north of Mexico, Québec has managed to retain its European flavour and highlight its extraordinary rich heritage.
Settling in Canada City of Ottawa PROFILE
10/14/2015 7:24:58 AM
Ottawa is one of the most beautiful capital cities in the world. A thriving business and government centre, Ottawa is also rich in culture and heritage with its many national institutions, parklands, waterways and historic architecture.
Settling in Canada Niagara Region PROFILE
10/14/2015 7:21:17 AM
Niagara Region is a world-famous tourist destination for over 14 million people every year. It is also a wonderful place to live. The region is well known for its many parks, beaches, bike paths, waterways and sports facilities.
Settling in Canada City of Moncton PROFILE
10/14/2015 7:17:50 AM
Moncton is the fastest growing urban centre in Atlantic Canada – and one of Canada’s best places to do business.
Settling in Canada City of Lethbridge PROFILE
10/14/2015 7:05:46 AM
Located at the heart of a large trading area, only two hours from Calgary and one hour from the US border, Lethbridge sits on the doorstep of the Canadian Rockies and two UNESCO world heritage sites.
Settling in Canada Halifax Region Municipality PROFILE
10/14/2015 7:01:13 AM
Halifax is Atlantic Canada’s hub city — bringing together industry, commerce, and regional decision-makers in a beautiful and historic city.
Settling in Canada City of Gatineau PROFILE
10/14/2015 6:57:25 AM
Gatineau offers all the advantages of a big city without the inconveniences. People-centred, this city boasts countless green spaces, large sports and cultural facilities, as well as an efficient transit system.
Settling in Canada Edmonton PROFILE
10/14/2015 6:53:31 AM
Edmonton is a booming capital city of over a million people in the centre of Alberta — a province with one of the richest reserves of oil and natural gas in the world.
Settling in Canada Durham PROFILE
10/14/2015 6:46:36 AM
Durham Region is located right next to Toronto, offering easy access to Canada’s largest city without the chaos of downtown living.
Settling in Canada City of Drummondville PROFILE
10/14/2015 6:41:17 AM
Referred to as the capital of expression and traditions, Drummondville showcases tourist attractions that are centred on the cultures of yesterday and tomorrow.
Settling in Canada City of Chatham-Kent PROFILE
10/14/2015 6:34:54 AM
Chatham-Kent is a safe affordable group of 23 cities, towns and villages in the heart of south-western Ontario.
Settling in Canada Brandon Profile
10/14/2015 6:21:43 AM
Brandon is a welcoming community offering the employment and educational opportunities of Manitoba’s second largest city within minutes of quiet country living.
Settling in Canada Abbotsford PROFILE
10/14/2015 6:04:02 AM
Abbotsford calls itself “The City in the Country.” It is a thriving, rapidly growing city surrounded by the lush and fertile Fraser Valley. Abbotsford is close to multicultural Vancouver, sandy ocean beaches, mountains, lakes, parks and farms.
Settling in Canada
10/14/2015 5:57:54 AM
Many newcomers know about Canada’s biggest cities: Toronto, Montréal and Vancouver. But there are many other Canadian cities ready to welcome you. These cities have good jobs, good schools, and housing that often costs much less than in the big cities. Use this guide to find a city you can call home.
Guide to Co-operative Housing
10/14/2015 5:55:20 AM
Co-ops come in many different shapes and sizes, ranging from collections of townhouses and small buildings with 4 – 12 units to large apartment-style buildings with hundreds of units.
CMHC Green Home
10/14/2015 5:53:33 AM

Energy-Efficient Housing Made More Affordable with Mortgage Loan Insurance

Canada’s Housing Construction System
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The purpose of this document is to foster understanding of the elements of the system of construction and operation of buildings and houses in Canada.
HOUSING FOR NEWCOMMERS - GREAT RESOURCE
10/14/2015 5:46:12 AM
CMHC is the Government of Canada's national housing agency and the go-to resource to better help you settle in Canada.
LANDLORDS Resources for Landlords.
10/14/2015 5:40:41 AM
Presents resources and online links that offer valuable information for landlords and property managers.
LANDLORDS When Taking Legal Action, be Meticulous.
10/14/2015 5:38:48 AM
This section outlines steps you can take to handle complaints and offers tips that will help you if you need to take legal action.
LANDLORDS When the Tenancy Ends.
10/14/2015 5:37:43 AM
Provides information on conducting a final inspection, returning deposits and ending a rental agreement.
LANDLORDS Dealing with Problems.
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Summarizes the landlord's obligations and refers to relevant information in the various province-specific pages.
LANDLORDS Now that You've Found New Tenants
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Information on deposits, rent increases and how to finalize a tenancy.
LANDLORDS Marketing Your Rental Unit.
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These tips will help you find tenants.
LANDLORDS Just Starting? Get Informed.
10/14/2015 5:32:30 AM
Helps new landlords familiarize themselves with the relevant rules and regulations.
LANDLORD INFORMATION GUIDE
10/14/2015 5:31:21 AM
Whether you rent multiple units in a high-rise or an apartment in your basement, you need to know many things about finding tenants and making your rental business work to your advantage.
Government of Canada Homeownership Incentives
10/14/2015 5:28:59 AM
Canada’s Economic Action Plan introduces measures that provide you with additional benefits to help you realize your dream of homeownership.
YUKON CONDO FACTSHEET
10/14/2015 5:26:56 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
SASKATCHEWAN CONDO FACT SHEET
10/14/2015 5:25:50 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
QUEBEC CONDO FACTSHEET
10/14/2015 5:22:15 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
PRINCE EDWARD ISLAND CONDO FACT SHEET
10/14/2015 5:21:09 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
ONTARIO CONDO FACT SHEET
10/14/2015 5:20:01 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
NUNAVUT CONDO FACTSHEET
10/14/2015 5:18:43 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
NOVA SCOTIA CONDO FACTSHEET
10/14/2015 5:17:28 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
CONDO BUYERS GUIDE NORTHWEST TERRITORIES
10/14/2015 5:16:16 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
CONDO FACT SHEET NEWFOUNDLAND AND LABRADOR
10/14/2015 5:14:45 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
NEW BRUNSWICK CONDO FACT SHEET
10/14/2015 5:11:23 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
MANITOBA CONDO FACT SHEET
10/14/2015 5:10:12 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
British Columbia CONDO FACT SHEET
10/14/2015 5:08:20 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory. (BRITISH COLUMBIA)
ALBERTA CONDO FACT SHEET
10/14/2015 5:05:06 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory. (ALBERTA FACT SHEET)
Provincial/Territorial Fact Sheets FOR CONDO OWNERS
10/14/2015 5:03:08 AM
Before you buy a condominium, it’s important that you be familiar with how laws related to condominiums work in your province or territory.
Condominium Buyer’s Guide GLOSSARY
10/14/2015 5:00:38 AM
Demystify condominium terminology with this list of commonly used words and phrases.
Chapter 5: Checklists, Tips and FAQ's
10/14/2015 4:58:30 AM
Information that will help you find a condominium that is right for you.
Chapter 4: Buying a Condominium
10/14/2015 4:53:57 AM
Know what to look for whether you’re buying a new or a resale condominium as well as the costs you need to factor into your budget.
Chapter 3: The Pros and Cons of Condominium Ownership
10/14/2015 4:51:08 AM
Find out if condominium ownership fits with your lifestyle, financial situation and personality.
Chapter 2: Condominium Governance
10/14/2015 4:50:09 AM
Read about how condominium corporations are run and rules that govern day-to-day condominium living.
Chapter 1: Condominium Basics
10/14/2015 4:48:57 AM
Learn how condominium ownership differs from other forms of homeownership.
Condominium Buyer’s Guide
10/14/2015 4:47:53 AM
This Guide will give you the basic background information you need to figure out if condominium ownership is really for you. It will identify key questions to ask — and the people you should be asking — before you make this important purchase.
FAQs: Mortgage Loan Insurance
10/14/2015 4:45:53 AM
Frequently Asked Questions on mortgage loan insurance.
Home Renovation Financing Options
10/14/2015 4:44:25 AM
Information for a number of financing options, along with practical advice to consider before starting your renovation project.
Financing an Energy-Efficient Home or Energy-Saving Improvements is Easier than You Think
10/14/2015 4:43:25 AM
You could be eligible for a 10% refund on your mortgage loan insurance premium from CMHC when you purchase an energy-efficient home or make energy-saving renovations.
Homebuying Tools — Calculators
10/14/2015 4:42:11 AM
Easy to use mortgage tools to help you establish your financial situation, determine how much house you can afford and the maximum price that you should be considering.
Dealing with Mortgage Payment Difficulties
10/14/2015 4:40:21 AM
Learn how you can work with your lender to find the best solution for your mortgage payment problems.
CMHC MORTGAGE LOAN INSURANCE, FLEXIBLE FINANCING OPTIONS * IMPORTANT
10/14/2015 4:35:17 AM
As Canada’s national housing agency, CMHC is uniquely positioned to offer you a range of financing options to ensure you have access to a wide choice of quality, affordable housing.
CMHC MORTGAGE LOAN INSURANCE, HOW MUCH DOES IT COST?
10/14/2015 4:32:40 AM
To obtain CMHC Mortgage Loan Insurance, lenders pay an insurance premium. Typically, your lender will pass these costs on to you.
CMHC MORTGAGE LOAN INSURANCE, HOW MUCH CAN YOU AFFORD?
10/14/2015 4:29:36 AM
Not sure? If insured through CMHC, you can work out the mortgage loan that you can afford, with just a few simple calculations.
CMHC MORTGAGE LOAN INSURANCE, GENERAL REQUIRMENTS
10/14/2015 4:24:27 AM

What are the General Requirements to Qualify for Homeowner Mortgage Loan Insurance?

CMHC MORTGAGE LOAN INSURANCE Who needs mortgage insurance?
10/14/2015 4:21:59 AM
Typically, lenders require mortgage loan insurance for loans made to anyone that wishes to purchase a home with less than 20% of the purchase price.
CMHC MORTGAGE LOAN INSURANCE, WHATS IN IT FOR YOU?
10/14/2015 4:20:38 AM
The Canadian housing finance system has benefited over the years from the simplicity and stabilizing effect of mandatory mortgage loan insurance but what does this mean for you?
What is CMHC Mortgage Loan Insurance?
10/14/2015 4:17:20 AM
Provides a brief outline of the structure and benefits of CMHC Mortgage Loan Insurance.
What is CMHC Mortgage Loan Insurance?
10/14/2015 4:12:00 AM
Provides a brief outline of the structure and benefits of CMHC Mortgage Loan Insurance.
Worksheets
10/14/2015 4:06:54 AM
These user-friendly checklists and worksheets will help you all throughout the home buying process.
Words to Know When Buying a Home
10/14/2015 4:05:34 AM
This glossary provides simple yet accurate definitions of certain terms you may encounter in the Homebuying Step by Step guide.
Step 5: Now That You're a Homeowner
10/14/2015 4:04:30 AM
Practical advice for homeowners on their financial responsibilities as well as the importance of home maintenance and renovations.
Step 4: The Buying Process
10/14/2015 4:03:11 AM
Before you start searching for a home you need to think about your current and future housing needs and what characteristics are important to you in a home.
Step 3: Which Home is Right for You?
10/14/2015 4:01:59 AM
Once you have a good idea about your finances, you’ll need to think clearly about the home you’d like to buy. You need to think about your current and future housing needs and what characteristics are important to you in a home.
Step 2: Are You Financially Ready?
10/14/2015 3:57:18 AM
This step guides you through some simple calculations to figure out your current financial situation, and the maximum home price that you should consider.
Step 1: Is Homeownership Right for You?
10/14/2015 3:55:48 AM
Buying a home is one of the biggest emotional and financial decisions you'll ever make. Prepare by learning about the process of home buying and the responsibilities of homeownership.
CMHC's Homebuying Step by Step guide
10/14/2015 3:50:20 AM
CMHC's Homebuying Step by Step guide is here to make things easier for you by providing the information you need to make a wise homebuying decision.
How to Buy a Home
10/14/2015 3:48:29 AM

Register for Our E-Learning Course on Buying a Home

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