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Bond Dec
20

The Basis of the Mortgage Market

As we all know, real estate financing plays an integral role in the affordability of real estate to most Canadians. In fact, every 1% increase in residential mortgage rates literally ends the dream of home ownership for thousands of Canadians. When these rates play such an integral role in the availability of housing for Canadians, […]

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leverage Dec
13

Borrowing to Invest – Part 3 of 3

In part one of this three-part series we introduced the topic and ways to borrow to invest. In part two we outlined some of the key considerations when borrowing to invest, and now in part three we will cover some specifics on how to put this powerful strategy to work in real life. In other […]

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leverage Nov
30

Borrowing to Invest – Part 2 of 3

While borrowing to invest is a solid longer term strategy for people who are behind on their savings or who are net worth driven – I want to stress that it does have risks because returns are never certain, and even the most stable of asset classes do fall in value. However, this is also […]

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2017-countdown Nov
23

3 Reasons to Complete Your Mortgage Before Year End

As 2016 draws to a close, there is still time to complete your mortgage before year end and take advantage of today’s historically low (but rising) rates. With holiday parties and the busyness of the festive season starting earlier and earlier each year, mortgages may be the last thing on your mind at this point. […]

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usa-canada Nov
17

Why a Rising US Stock Market Impacts Canadian Mortgage Rates?

Typically, when we see stock markets rallying up we also see bond yields go down, and many ask the question “why does this happen?”. What’s important to keep in mind as mortgage consumers or bond market investors is that bond (debt) markets and stock (equity) markets are all essentially competing for investment dollars at some […]

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Leverage Aug
24

Borrowing to Invest – Part 1 of 3

Borrowing to invest (otherwise known as financial leverage) is a personal finance strategy where someone borrows funds for investment purposes. Due to the uncertainty of investment returns and the fact there is borrowed money at stake, borrowing to invest is a riskier a strategy than buying the same investments without debt. When borrowing to invest, […]

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questions-on-investment Jul
6

Five Key Things to Consider When Borrowing to Invest

With interest rates at near all time lows and a number of the global investment and real estate markets showing strong return numbers – borrowing to invest has never been more popular. Using home equity to access cheap money can be a great way to get a jump start on your investment portfolio – it […]

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Mar
16

The Mortgage Market Update for the Week of March 16th, 2016

For your Reference Bank of Canada maintains overnight rate at 1/2 percent RBC Economics – Provincial Outlook Report   In the News Canadian home prices rise in February boosted by gains in Vancouver Published by Reuters through The Financial Post on Monday March 14th, 2016 Canadian home prices rose in February, driven by a surge […]

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