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My Mortgage Blog — Latest Posts
Haiyi Zhang || April 15, 2019
Yes, you can be a homeowner
The news is full of negatives about housing market slowdowns, mortgage stress tests that shut millennials out of homeownership, low inventory, a slowing economy – it goes on. Although it may seem...
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Haiyi Zhang || March 22, 2019
Anatomy of mortgage changes
There is little doubt that housing sales have slowed down in the past year, due in large part to stricter mortgage regulations. Part of those regulations is a mortgage stress test that requires...
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Haiyi Zhang || March 15, 2019
The Canadian economy and the housing market
We are living in strange times, economically speaking. Mortgage stress tests have slowed the housing market and may be one of the reasons the Bank of Canada has signaled it may pause on increasing...
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Haiyi Zhang || December 06, 2018
The Upside of Alternative and/or Unregulated Lenders
A recent report from the Bank of Canada reviewed the impact of the government's policy changes on the mortgage market. It found that overall market activity had slowed -- something we knew would...
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