The New Canadian Homebuyer: How Affordability, Debt Levels, and Shifting Lender Rules Are Changing the Mortgage Landscape

Lucas Mathieu

Published on: 02/12/2025

Canada’s housing market has shifted dramatically as affordability tightens and household debt reaches record levels, changing how buyers qualify and plan for a mortgage. With lenders focusing more on income stability, debt levels, and credit behaviour, today’s homebuyers need stronger preparation, realistic budgeting, and a solid pre-approval to navigate the market confidently.

Broker Blogs

Falling Home Prices? Why It Could Be the Best Time for Canadian Real Estate Investors

Lucas Mathieu

Published on: 15/11/2025

Canadian housing markets are cooling, creating a strategic window for investors. With softer prices, strong rental demand, and potential future rate relief, now is an ideal time to explore cash-flow-positive properties, structure smart financing, and maximize long-term ROI.

Broker Blogs

Can Missing Middle Housing Save Our Cities from a Supply Crisis?

Lucas Mathieu

Published on: 01/11/2025

Canada’s “Missing Middle” homes — duplexes, townhouses, and low-rise apartments — are making a comeback. With a 44% surge in new builds across major cities, this mid-density housing offers faster, more affordable options that could help solve the nation’s housing supply crisis.

Broker Blogs

Why Rising Interest Rates Don’t Always Equal Disaster

Lucas Mathieu

Published on: 15/10/2025

Renewal shock is real, but preparation makes all the difference. Here’s how to build a buffer, manage risk, and stay in control when interest rates climb.

Broker Blogs