Reports That Keep You Up-To-Date

Receive our reports directly to your inbox!

Sign Up Today!

April 2023

  1. Feds ease foreign buyer ban, codify assistance for distressed borrowers
  2. Sellers disappear, inventory tightens in Toronto
  3. Vancouver home sales jump, prices firm
  4. Calgary continues to outperform
Download Metro Report
  1. Bank of Canada hints at “higher for longer”
  2. Inventory tumbles in March: Have we already peaked for this cycle?
  3. Supply and demand: Housing starts tumble, immigration surges to start 2023
  4. Credit card borrowing jumps in February
  5.  Consumer check: Arrears still low but rising
  6. Why I’m still very positive on Atlantic Canada
Download Metro Report

March 2023

  1. Canada’s economy hits stall speed in Q4
  2. Are animal spirits and FOMO returning in Toronto?
  3. Vancouver housing demand springs to life in February
  4. Calgary sales tick up, inventory falls
Download Metro Report
  1. Bond market jitters and recession fears set the stage for lower mortgage rates
  2. Home sales perk up, inventory falls in February
  3. Supply and demand: More than meets the eye in latest population data
  4. Household debt burdens jump in Q4 with more still to come
  5. Consumer check: Largest increase in insolvencies since 2009
Download Metro Report

February 2023

  1. Bank of Canada reaffirms rate holds, but don’t expect cuts this year. Unless…
  2. No signs of stabilizing yet in Toronto
  3. Vancouver home sales start 2023 on weak footing
  4. Calgary sales slump for 11th straight month
Download Metro Report

Coming soon.

January 2023

  1. Takeaways from preliminary home sales data
  2. Fixed rates tick down, 1 in 5 homeowners can no longer afford their own house
  3.  More signs the rental market may be cooling
  4. Credit tidbits: Insolvencies jump, credit card charge-offs rise
  5.  Odds and ends: CFIB Barometer, consumer confidence, 2023 charts to
Download Metro Report
  1. Recessionary signals drag rates lower- BoC pause on deck
  2. December home sales rise, new listings plunge
  3. Death by 1,000 cuts: Regulators propose slew of new measures
  4. Mortgage growth tumbles in November
  5. Consumer check: Confidence still in the dumps, spending under pressure
Download Edge Report

December 2022

  1. A classic “dovish hike” from the Bank of Canada
  2. Toronto home sales resume slide in November
  3. Vancouver home sales under pressure again
  4. Alberta outperformance continues
Download Metro Report
  1. Sticky inflation frustrates the BoC even as they signal a pause
  2. November home sales: Inventory back on the rise, prices grind lower
  3. Supply and demand: ANOTHER record for population growth
  4. Mortgage rates update: Fixed rates drift lower, mortgage growth tumbles
  5. Consumer check: Debt service ratios jump, housing weighs on net worth
Download Metro Report

November 2022

  1. Affordability challenges intensify
  2. Toronto home sales flat in October, sellers remain on sidelines
  3. Vancouver home sales tick up in October
  4. Alberta still looking solid
Download Metro Report
  1. Mounting recession risks put downward pressure on rates
  2. Takeaway from October home sales: Sales and inventory rise, prices grind lower
  3. Supply and demand: New immigration targets, but is growth already peaking?
  4. Mortgage rates update: Borrowers keep betting against the Bank of Canada
  5. Consumer check: More signs of stress building
Download Edge Report

October 2022

  1.  A gut punch from the Bank of Canada
  2. Toronto home sales give up August gains, prices slip
  3. Vancouver home sellers move to sidelines as new listings plunge
  4. Calgary and Edmonton sales under pressure
Download Metro Report
  1. Largest drop in bond yields in a decade signals potential pivot
  2. Frozen pre-construction market is a bad omen
  3. Takeaway from September home sales: Sales and prices grind lower
  4. Supply and demand: Monster population growth!
  5. Mortgage tidbits: The great mortgage rate flippening?
  6. Consumer check: Credit card balances jump, insolvencies up sharply
Download Edge Report

September 2022

  1. Affordability pressures intensify as Bank of Canada continues to hike rates
  2. Toronto home sales snap back in August
  3.  Vancouver home sales down slightly
  4.  Calgary and Edmonton continue to buck national trends
Download Metro Report
  1. Finally signs that core inflationary pressures are breaking
  2. Takeaway from August home sales: New listings evaporate as markets stabilize
  3. Supply and demand: Pent-up demand builds as ownership rate falls
  4. Rates update: Fixed and variable finally converge
  5. Consumer check: Cracks appear in credit card data, CMHC beefs up collections
Download Metro Report

August 2022

  1. Finally some relief for potential buyers as rates begin to grind lower
  2. Takeaways from Toronto and Vancouver home sales
  3. Alberta outperformance continues
Download Metro Report
  1. If inflation is cooling, why are bond yields rising again?
  2. What’s the big deal with trigger rates?
  3.  Takeaway from July home sales: Steep drop in prices, but also some good news
  4. Supply and demand: Record construction activity, immigration surge continues
  5. Mortgage market update: Finally some reprieve for prospective buyers as rates fall
  6. Consumer check: First signs of a slowdown in spending, insolvencies rise
Download Edge Report

July 2022

  1. Economic commentary: Outsized rate hike next week but the end is in sight
  2. Toronto home sales hit 20-year lows in June
  3. Vancouver home sales slide, prices begin to soften
  4. Alberta still holding firm
Download Metro Report
  1. Finally signs that inflationary pressures may be easing?
  2. Updating the most important chart
  3. Takeaway from June home sales: Record drop in house prices
  4. Supply and demand: Housing starts jump, immigration hits yet another record
  5. Mortgage market update
  6. Consumer check: Rising rates begin to bite
Download Edge Report

June 2022

  1. Economic commentary: Bank of Canada signals more rate hikes may be needed
  2. More price pressure in Toronto as sales tumble again, condo market weakens
  3. Vancouver home sales slide, prices begin to soften
  4. Alberta sales slow, prices stall. Are condo speculators moving this market?
Download Metro Report
  1. Affordability under pressure as rates continue to surge
  2. Takeaway from May home sales: Sales down, prices in Ontario under pressure
  3. Supply and demand: Housing starts jump, immigration hits yet another record
  4. Credit trends: Mortgage boom peaks in QI, no uptick in insolvencies yet
Download Edge Report

May 2022

  1. Economic commentary: Jobs market still strong (for now), but where’s the wage growth?
  2. Toronto slowdown intensifies, prices slip
  3. Vancouver home sales tumble 22%, prices hold firm for now
  4. Alberta home sales slow but price gains accelerate
Download Metro Report
  1. Inflation stunner means more tightening ahead from Bank of Canada
  2. Interest rates are taking a huge bite out of affordability
  3. Home sales tumble, prices slip in April
  4. Housing starts jump, immigration hits new record, rental market tightens
  5. Mortgage growth remains high in March, variable rates still popular
  6. Consumer check: Insolvencies and delinquencies still low, but probably not for long
  7. OSFI keeps busy fighting the last battle
Download Edge Report

April 2022

  1. Economic commentary: The only chart that matters
  2. Clear signs of a sudden shift in Toronto
  3. Vancouver sales fall 24%, but still no supply
  4. Alberta booms as population flows pick up steam
  5. Quebec home sales continue to slow off record pace
Download Metro Report
  1. Thoughts on cyclical vs secular downturn
  2. Inflation stunner means more tightening ahead from Bank of Canada
  3. Interest rates are about to seriously mess things up!
  4. National home sales update: Sales fall, inventory still low but rising quickly
  5. Supply/demand deep-dive: Huge surge in new resident admissions so far in 2022
  6. Mortgage growth hits 14-year high, variable rate popularity surges
  7. Monitoring key risks: OSFI puts mortgage market on notice
Download Edge Report

March 2022

  1. Economic commentary: War and recession risk
  2. Subtle signs of change in Toronto housing as inventory levels surge
  3. Vancouver posts largest ever monthly house price gain even as condo listings surge
  4. Calgary home sales keep surging
  5. Quebec home sales stall but lack of inventory keeps market tight
Download Metro Report
  1. Bank of Canada hikes, signals more to come as inflation rages
  2. National home sales update
    1. Largest increase in active listings since 2010
    2. Pullback in demand still likely as sales remain 25% above normal levels
    3. Market still extremely tight, record jump in price
  3.  A massive misallocation of capital or the new normal?
  4. Supply/demand deep-dive: Immigration hits new highs just as housing starts slow
  5. Household credit update: Insolvencies stable, balance sheets look solid
    1. Household balance sheets still look very solid in Q4
    2. Still no signs of stress among borrowers
    3. Macro backdrop still looks solid
    4. BUT….borrowers are beginning to feel the pinch of rising rates
  6.  Mortgage market update: Variable accounts for 60% of new mortgages
    1. Household credit growth hits highest since 2009
    2. Surge in demand for variable rate products
    3. Originations hit record in Q4
    4. Real rates still deeply negative
  7.  Monitoring key risks
    1. Russia/Ukraine conflict could create food security issues
    2. Mortgage regulation changes
Download Edge Report

February 2022

  1. Bank of Canada rate hikes baked in for March
  2.  National home sales update
    1. I’m calling it: We are witnessing peak insanity
    2. Setting up for a significant slowdown in the back half of the year?
    3. Alberta housing: Still quietly booming
  3.  Supply/demand deep-dive: Big increase to federal immigration targets
  4. Household credit update: Insolvencies fall, consumer spending slows
    1. Consumer spending slows: Was it really Omicron or is there more at play?
    2. HELOCs back in vogue
    3. Consumer insolvencies remains low for now
  5.  Mortgage market update: Borrowers still love variable rates
    1. Household credit growth slows in December
    2. Fixed mortgage rates continue to rise, variable originations surge
Download Edge Report

January 2022

  1. Economic commentary: Markets look through Omicron-induced job losses
  2. Shades of 2017: Toronto housing boom hits new absurd heights
  3. Vancouver loses crown as most expensive market….sort of
  4. Calgary now the most exciting market in the country
  5. Quebec home sales fall 25%: Inventory shortage or buyer fatigue?
Download Metro Report
  1. Game Changer: Bank of Canada backed into a corner as inflation expectations jump
  2. National home sales update
  3. Supply/Demand deep-dive: Housing starts pull back even as rental construction surges
  4. household credit update: Consumers tap credit cards again as savings slow
  5. Mortgage market update: Nearly 40% of mortgages will reset higher in 2022
  6. Monitoring key risks
Download Metro Report

How can we help?


We support our customers every step of the way, helping to make sure you are taken care of always.

Chip Reverse Mortgages

The financial solution designed to help homeowners 55 years+ retire securely.

Private Mortgage

Having a tough time getting the financing due to poor credit? We can likely help you out.


Unlock some of your home equity for debt consolidation, escaping high rates or other important needs.

Mortgage Calculators

Review your options before buying your next home or investment property.

Luxury Mortgages

Looking for a luxury home in the Niagara Region or Southern Ontario? We’re equipped to help.

First Time Buyers

Ready to find your first home? Our team is assembled and ready to walk you through the mortgage process – and your front door.

New To Canada

Mortgage financing for permanent or non-permanent citizens looking to own a home in Canada.

Self Employed

Mortgage solutions for self-employed individuals who lower their taxable income via write-offs and deductions.


Financing options that help you complete your home renovation dreams while adding value to your home.

What Our Customers Are Saying.

View All Reviews