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

Ontario Government: Changes to Strengthen Credit Unions

by Yvonne von Jena | February 16, 2016

The Ontario government is taking action on the 15 recommendations laid out in the Credit Unions and Caisses Populaires Act, 1994 legislative review report. These proposed changes will help credit unions and caisses populaires remain competitive and better serve individuals, communities and businesses.

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The Future Of Mortgage Lending Could Be Online

by Yvonne von Jena | February 11, 2016

In the last decade, internet technology has disrupted numerous industries. Another industry that may be moving online is home mortgage origination, according to Forbes magazine. Fintech mortgage origination companies like Quicken Loans, Sindeo and First Internet Bank are already gaining meaningful market share in the United States.

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Provincial Government to Investigate "Shadow Flipping" in B.C.

by Yvonne von Jena | February 11, 2016

The B.C. government will examine "shadow flipping" activities in the real estate industry and the effectiveness of its regulator, as a result of a recent investigation into the practice by the Globe and Mail. The practice of shadow flipping involves middlemen, including real estate agents, who take a house on assignment and sell it a few months later for a hefty profit often at the expense of the buyers and sellers.

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Strategic Mortgage Defaults in Alberta: Federal Government Watching

by Yvonne von Jena | February 10, 2016

A combination of high debt and lost jobs is making “jingle mail”, which is essentially a strategic mortgage default, an option for Albertans. It is raising concerns for the federal government, which is watching the Alberta market closely says the CBC.

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Shadow Flipping and How It's Pushing Up House Prices in B.C.'s Lower Mainland

by Yvonne von Jena | February 7, 2016

The Globe recently investigated an opaque real estate practice that finds loopholes in the laws and regulations, which it calls “shadow flipping”. It found that this practice is growing in British Columbia’s Lower Mainland and helping push up house prices in that market. The practice is also at the heart of a national debate about the role of foreign investors in heating up the market.

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Alberta's Unemployment Rate higher than National Rate, first time in 27 years

by Yvonne von Jena | February 5, 2016

The unemployment rate for Alberta was higher than national rate for first time in 27 years, according to the most recent numbers from Statistics Canada. Alberta lost 10,000 jobs in January, and overall, the Alberta industry estimates more than 40,000 industry jobs have been lost in the past 18 months. Further, key indicators of demand for oil workers, are also down.

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GTA Home Prices Up, But 905 Up Even More

by Yvonne von Jena | February 4, 2016

Toronto’s housing market is kicking off 2016 in fine form, but the areas surrounding the city are chalking up even more impressive gains, says the Globe.

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Consumer Confidence Continues to Fall

by Yvonne von Jena | February 2, 2016

The Bloomberg Nanos Canadian Confidence Index fell for the seventh consecutive week and has now reached its lowest level since September 2015. It has fallen in most provinces, and expectations for home prices have also dropped. These trends, especially consumers’ inflation expectations, are being monitored by the Bank of Canada and are important factors in its rate decisions.

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Urban versus Suburban: What Makes the Most Money Sense?

by Yvonne von Jena | January 29, 2016

MoneySense magazine was trying to determine what makes the most money sense: to live in a smaller urban property or a larger suburban property. To help MoneySense answer this question, it teamed up with real estate analysts Brookfield RPS. Some of our suspicions were confirmed, but there were surprises too.

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Research on Commercial Building Envelopes

by Yvonne von Jena | January 26, 2016

The Building Envelope Technology Access Centre (BETAC) at Red River College is doing some interesting applied research and testing commercial building envelopes, as well as helping set standards for building envelope design and construction.

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