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We have assembled a collection of thought provoking articles, reports, surveys, industry information, and other interesting content for your enjoyment.



Canada Housing Market Outlook: The Tide Starts to Ebb

by Yvonne von Jena | May 3, 2017

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The Neural Lace

by Yvonne von Jena | April 28, 2017

It’s actually not that long ago that computers migrated to our pockets and then our wrists. If you continue that progression logically, it does follow that computers will one day enter and/ or pull information straight from our brains. I recognize this sounds very ‘sci fi’, but the march towards this is already in play. Here's more on what Facebook, Elon Musk and others are doing in this field.

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The Ontario Budget: Housing-Related Highlights

by Yvonne von Jena | April 28, 2017

The Ontario government's first balanced budget in a decade was published yesterday. Although the budget is lean on further housing announcements (especially given that Ontario Finance Minister Charles Sousa just announced his 16-point Ontario Fair Housing Plan last week), there are a few good insights that can be gained from it.

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Flooding Hits the Montreal-Ottawa and Hamilton Areas

by Yvonne von Jena | April 22, 2017

Flooding has hit many parts of the country this week. In Quebec, Rigaud was hit with extensive flooding while other areas are considered high risk of flooding such as Ahuntsic-Cartierville, Sainte-Anne-de-Bellevue and Laval. In Ontario, the Dundas / Hamilton area suffered from significant flooding and mudslides.

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Recommendations: Federal Standing Committee versus Ontario Government

by Yvonne von Jena | April 21, 2017

Over the past few days, the recommendations for housing policy have been published at the federal level and the provincial / Ontario level. They differ significantly.

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Royal LePage: Insights into the Vancouver and Toronto Housing Markets

by Yvonne von Jena | April 19, 2017

Royal LePage released its latest House Price Survey today, which is powered by Brookfield RPS. While home price appreciation in Greater Vancouver has fallen since the B.C. government’s foreign buyer tax, Royal LePage says this may be short-lived, with a risk of "market whiplash" as six months of pent-up demand is unleashed on the market. “The hasty introduction of new real estate-related regulations or taxes in Ontario, in the absence of data and analysis to support these policy moves, could lead to a sharp price correction, impacting not only household wealth, but damaging the broader Canadian economy as well,” said Royal LePage President and CEO Phil Soper.

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Coming Soon: Suite of Measures to Address Housing Affordability in Toronto

by Yvonne von Jena | April 19, 2017

Yesterday, three levels of government - Federal Finance Minister Bill Morneau, Ontario Finance Charles Sousa and Toronto Mayor John Tory – met to discuss what can be done about rising house prices in Toronto. To address these concerns, Mr. Sousa is expected to unveil a “suite” of some 10 different measures to tackle housing affordability, ranging from rent controls to a new tax on real estate speculators and enhanced transparency surrounding the bidding process to protect both buyers and sellers. These will be announced shortly, possibly before Mr. Sousa tables his Ontario budget next week.

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Emergence of a Private Securitization Market?

by Yvonne von Jena | April 18, 2017

The government may be getting its wish. For years, the Department of Finance and other government agencies have been trying to encourage an uninsured residential mortgage-backed securities (RMBS / private securitization) market, to no avail. That may be changing however. This week BMO announced that it is bundling prime, uninsured residential Canadian mortgages into securities (about $2 billion) and MCAP is supposedly in discussions about an initial tranche of alt-A mortgages totalling $100 million. Could this be the start of an investor-driven, liquid RMBS market?

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The BoC on Interest Rates, Housing and Household Debt

by Yvonne von Jena | April 13, 2017

This week, the Bank of Canada announced that it is maintaining its target for the overnight rate at 1/2 per cent, however, it still has its eyes on a rate hike in the next couple of quarters. The Bank is expecting the housing market to slow overall, but expressed concerns about the GTA entering a phase in which speculation is playing a larger role.

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[PWC] Survey of Trends in Financial Services

by Yvonne von Jena | April 11, 2017

According to PWC’s Global FinTech Report 2017, the financial services industry will be unrecognizable in five years, and FinTech's growing influence is a large driver that is forcing this landscape to change.

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