Send us a text Canadian mortgage delinquency is just 0.23%… but credit cards, HELOCs, Canada Post, Bell, and even developers are cracking under the pressure. In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down what’s REALLY going on behind the “stable” mortgage numbers. We cover: CMHC data: Housing starts down 17% and why the promise of 500,000 new homes was never realistic. Delinquencies: Why Canadian mortgage and HELOC delinquencies are tiny compared to th...
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Send us a text Canadian mortgage delinquency is just 0.23%… but credit cards, HELOCs, Canada Post, Bell, and even developers are cracking under the pressure. In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down what’s REALLY going on behind the “stable” mortgage numbers. We cover: CMHC data: Housing starts down 17% and why the promise of 500,000 new homes was never realistic. Delinquencies: Why Canadian mortgage and HELOC delinquencies are tiny compared to th...
Episode 57: Affordability by Amortization: The 50-Year Mortgage Era?
The Canadian Mortgage Show
51 minutes
1 month ago
Episode 57: Affordability by Amortization: The 50-Year Mortgage Era?
Send us a text Canada’s housing chessboard is shifting again. Alex & Alex break down OSFI’s proposed loan-to-income limits and why they could sideline small “mom-and-pop” investors while empowering institutions. They weigh amortization creep (30… 50 years?), collapsing pre-con condo sales, and why prices—not just rates—are driving affordability. Then they connect the dots between immigration policy whiplash (international student clampdowns, asylum spikes) and rents, jobs, and even mobile...
The Canadian Mortgage Show
Send us a text Canadian mortgage delinquency is just 0.23%… but credit cards, HELOCs, Canada Post, Bell, and even developers are cracking under the pressure. In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down what’s REALLY going on behind the “stable” mortgage numbers. We cover: CMHC data: Housing starts down 17% and why the promise of 500,000 new homes was never realistic. Delinquencies: Why Canadian mortgage and HELOC delinquencies are tiny compared to th...
