Michael Antczak | Real Estate Sales Representative Serving Vaughan, Kleinburg | RE/MAX Premier Inc., Brokerage | Real Estate Mike for All Your Real Estate Needs

Mortgages and Real Estate News and Articles | My Blog

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New mortgage data released by CMHC

8/14/2017 | Posted in Mortgages and Real Estate by Michael Antczak

New mortgages continue to grow in Canada, according to a new report. There were just over 1 million new mortgage loans funded in Canada last year — up 1.4% ... More


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Risk sharing could be negative for housing, mortgage market

7/31/2017 | Posted in Mortgages and Real Estate by Michael Antczak

If the federal government forces mortgage lenders to carry more of the risk for delinquencies it could have a negative impact on the housing market and lead to an increase in ... More


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Stress tests are driving some to riskier lending

7/12/2017 | Posted in Mortgages and Real Estate by Michael Antczak

The stress tests on mortgages, introduced last fall by the federal government, is pushing some homebuyers into uninsured lending options.

... More


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Homeowners worried over rate hike advised to lock in mortgages - experts

6/22/2017 | Posted in Mortgages and Real Estate by Michael Antczak

Homeowners with variable rate mortgages losing sleep over the increased chatter about a potential interest rate hike by the Bank of Canada should consider locking their rates ... More


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Looming rate hikes seen dousing Canadian consumers, housing market

6/19/2017 | Posted in Mortgages and Real Estate by Michael Antczak

Looming rate hikes by the Bank of Canada will put financial stress on indebted Canadians and potentially exacerbate a slowdown in the nation's long housing boom, credit ... More


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Mortgage delinquency rates low in Toronto, Vancouver despite high prices: CMHC

6/14/2017 | Posted in Mortgages and Real Estate by Michael Antczak

Mortgage delinquency rates were low in Toronto and Vancouver during the fourth quarter of 2016, despite hot housing markets that have sent prices soaring, according to a new ... More


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Brace for a possible tax on speculative home purchases

6/14/2017 | Posted in Mortgages and Real Estate by Michael Antczak

The chief economist of the Canadian Real Estate Association says homeowners in the Greater Toronto Area should brace themselves for a possible tax on speculative home ... More


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Young Canadians still bullish on housing

6/13/2017 | Posted in Mortgages and Real Estate by Michael Antczak

Millenials are confident in their financial future and in the housing market, according to a new study.

... More


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CMHC insurance volumes plunged 41% after mortgage rules tightened

5/30/2017 | Posted in Mortgages and Real Estate by Michael Antczak

Canada's housing agency saw a sharp decline in the number of home buyers who qualified for mortgage insurance under tougher rules implemented last fall.

... More


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Mortgage premium hikes reduce case for borrowing to boost down payment

3/20/2017 | Posted in Mortgages and Real Estate by Michael Antczak

With mortgage insurance premiums rising, homebuyers whose down payments are just shy of 20 per cent may be considering whether to tap extra sources of credit in order to avoid ... More


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CMHC mortgage insurance hike scheduled for this month

3/8/2017 | Posted in Mortgages and Real Estate by Michael Antczak

The Canada Mortgage and Housing Corp. has announced that it will be implementing a hike on the premiums on its insured loans, with the increases calculated based on down ... More


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Canada's banks are pushing back against taking on more mortgage risk

3/1/2017 | Posted in Mortgages and Real Estate by Michael Antczak

Canada's financial industry is urging Ottawa to consider alternatives to proposals that could require them to take on a greater share of mortgage defaults — calling ... More


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Variable-rate mortgages becoming more important to the market

2/10/2017 | Posted in Mortgages and Real Estate by Michael Antczak

The gap between the number of borrowers going for fixed and variable rates has become larger recently, pointing to the increasingly important role that variable-rate mortgages ... More


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Bundles of debt: how lenders sidestep Canada's mortgage rules

1/18/2017 | Posted in Mortgages and Real Estate by Michael Antczak

Canada's subprime mortgage providers are increasingly teaming up with unregulated rivals to sidestep rules designed to clamp down on risky lending.

... More


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Mortgage insurance premiums hiked once again

1/17/2017 | Posted in Mortgages and Real Estate by Michael Antczak

CMHC announced early Tuesday it is increasing its loan insurance premiums effective March 17.

... More


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CMHC insured mortgages increase 26 per cent, home equity rises

11/30/2016 | Posted in Mortgages and Real Estate by Michael Antczak

Canada Mortgage and Housing Corp., the Crown corporation that controls about half of the mortgage default insurance market in the country, continues to shrink its ... More


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Canada's Mortgage Rules Will Sap Home Sales But Only Slow Prices: RBC

11/8/2016 | Posted in Mortgages and Real Estate by Michael Antczak

Home sales nationally will decline 11.5 per cent following the tightening of mortgage rules by the federal government.

... More


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Regulators put syndicated mortgages in their crosshairs

11/8/2016 | Posted in Mortgages and Real Estate by Michael Antczak

Regulators appear to finally be cracking down on a popular real-estate investment called a syndicated mortgage that promises big returns and low risks.

... More


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Canada's mortgage brokers find ways around new lending rules

10/21/2016 | Posted in Mortgages and Real Estate by Michael Antczak

Canada’s new mortgage rules risk pushing borrowers deep into the shadow lending market, with brokers set to line up secondary loans with private lenders as a means of ... More


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