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

BC Introduces New Rules that Prohibits Dual Agency

by Yvonne von Jena | November 20, 2017

The Office of the Superintendent of Real Estate of British Columbia (BC OSRE) is introducing new rules that will prohibit B.C. realtors from representing both the buyer and seller on one deal.  BC is the first province to enact this kind of restriction but others may follow. For example, in April this year Ontario proposed introducing such a ban.

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Regulators: Concern over Growing Household Debt, HELOCs and Interest Rates

by Yvonne von Jena | November 13, 2017

Regulators are concerned that home equity lines of credit (HELOCs), which they believe was an important driver behind the expansion of household debt over the last two decades, can lead to potential macroeconomic risks when combined with increasing interest rates in the coming years. There are pockets of added risk, as well as bright spots, and regulators are signaling areas where they may intervene.

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Industry Experts: 10 Consequences of OSFI's New Stress Tests

by yvonne vonjena | October 23, 2017

Canada's banking regulator has moved ahead with its new mortgage stress-testing rules on low ratio mortgages. Here are 10 consequences that experts say is in store for the housing and lending market under the new rules.

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Digital Mortgages: The Tipping Point Is Near

by Yvonne von Jena | October 5, 2017

This year’s Digital Mortgage Conference in San Francisco provided good insights into the future of digital mortgages. The most meaningful of these is captured by Robert McLister in his article on the event, that is “the tipping point is near”.

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[RBC] Housing Affordability Strains Intensified

by Yvonne von Jena | September 29, 2017

According to RBC’s latest Housing Trends and Affordability report, policy actions had not yet curbed Toronto’s escalating prices in the second quarter of 2017, while ownership costs in Vancouver are on the rise again after back-to-back declines. As a result and overall, Canadian housing affordability eroded for an eight consecutive quarter to reach worst level since 1990.

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The Bank of Canada's Next Move

by Yvonne von Jena | September 27, 2017

In a speech today, the Bank of Canada's governor Stephen Poloz elaborated on the rationale behind the BoC's decisions to raise rates this year, as well as provided meaningful insights into what to expect for rates in the coming year.

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CMHC Looks for New Ways to Track Foreign Money into Canadian Real Estate

by Yvonne von Jena | September 22, 2017

According to CBC News, CMHC continues to try to obtain more reliable data in order to monitor the impact of foreign buyers and it is starting to use new tools to get a handle on just how much foreign money is flowing into the country's housing market.

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[TD] Canadian Regional Housing Outlook: Government Policy and Soft Landings

by Yvonne von Jena | August 29, 2017

A recent report by TD Economics entitled 'Canadian Regional Housing Outlook Navigating a Soft Landing' provides good insights into TD's expectations of housing policy changes and higher interest rates on both house prices and market activity.

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[Moody's Analytics] Canadian Net Worth Rises Again

by Yvonne von Jena | August 24, 2017

According to Moody's Analytics economist Adam Goldin, Canada's healthy first quarter rise in net worth builds on the previous two quarters' momentum and contrasts sharply with 2016's first half decline, which was driven higher by rising real estate values and a natural resource wealth. In addition, the household sector had another quarter of healthy net worth gains, largely because of rising financial asset values.

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[HSBC] The Future of Home Buying

by Yvonne von Jena | July 28, 2017

According to a new study by HSBC and an article in the Financial Post, house hunting is going high tech. The internet has changed house hunting dramatically in a few short years and new technology is set to transform the experience further, easing stress, and helping buyers make informed decisions.

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