Big debt the downside of loading up on real estate Apr 17th

Recent news that you need to know regarding mortgages in Canada:

Big debt the downside of loading up on real estate
- financialpost.com

As I burn the midnight oil filing my usual 150 income tax returns this spring, a number of changing trends are emerging.
When I started preparing returns for the public more than a decade ago, perhaps 10% of my client families owned rental property. Now, nearly 40% have at least one rental property, or rent out part of their own home.
One reason is that interest rates have been near all-time lows for an extremely prolonged period. That has made mortgages attractive for home buyers, and financial institutions have opened up to them, causing a booming uptake on Home Equity Lines of Credit, or HELOCs…

Continued On financialpost.com »

Bank of Canada keeps key interest rate unchanged at one per cent + MORE Apr 17th

Keeping you up to date re mortgages in Canada:

TD Ameritrade posts lower quarterly profit
- theglobeandmail.com

Low interest rates, rising expenses hit discount broker’s results

Continued On theglobeandmail.com »

Bank of Canada keeps key interest rate unchanged at one per cent
- thestar.com

The Bank of Canada has left the key overnight interest rate unchanged at one per cent, but signals removal of monetary stimulus may become appropriate.

Continued On thestar.com »

The return of the assumable mortgage Apr 14th

Here’s the latest Canadian mortgage rate news. Enjoy!

The return of the assumable mortgage
- financialpost.com

That massive amount of debt you call a mortgage could be an “asset” in the near future.
It sounds far-fetched but imagine a scenario where you sign a 10-year fixed rate mortgage at 3.89% and five years from now rates have climbed to 6% and variable rates are not much lower.
You decide it’s time to sell. Someone buying that property would very likely be interested in taking over your payments — they might even pay more for your home knowing how much they’ll save on interest…

Continued On financialpost.com »