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Residential Market Commentary - Challenging times frustrate buyers
Bank of Canada holds fast on interest rate policy at April 2025 meeting
Residential Market Commentary - Loosening trade ties to the U.S.
Own the moment: Denise Laframboise
Residential Market Commentary - Better affordability but trying times lie ahead
Residential Market Commentary - Tariffs disrupt BoC plans
Residential Market Commentary - Market stumbles due to trade troubles
Market Commentary: Tariff on, Tariff off
Market Memo: BoC rethinking interest rate policy – March 2025
The spring housing market is here and First National is ready to grow with you
Own the moment: Joe Jacobs
Residential Market Commentary - Uncertainty triggers rate cut
The Bank of Canada lowers its benchmark interest rate to 2.75%
Residential Market Commentary - More rate cuts on the horizon
Residential Market Commentary - Dealing with debt
Own the moment: Sarah Nixon-Miller
Residential Market Commentary - Tariffs trigger economic unease
Market Memo: Housing market outlook – February 2025
Residential Market Commentary - The intent to build homes seems high
Residential Market Commentary - Employment numbers show a resilient economy
Residential Market Commentary - The tariffs arrive
Bank of Canada lowers its benchmark interest rate to 3% to open 2025
Own the moment: Together we succeed
Residential Market Commentary - Interest rates, inflation and tariffs
Residential Market Commentary - A slight slump in December, but high hopes for spring
Market Memo: Debt & financial concerns – January 2025
Residential Market Commentary - Unemployment surprise and rate speculation
Residential Market Commentary - 2025: An improving and stable real estate market
Bank of Canada brings its benchmark interest rate down 50 basis points to 3.25%
Residential Market Commentary - Rate cut expectations
Residential Market Commentary - Economy continues to grow
Residential Market Commentary - Inflation increase not likely to bother BoC
Market Memo: The luxury of home ownership - November 2024
Residential Market Commentary - Surprising sales surge in October
Residential Market Commentary - Trump and Canada’s economy
Residential Market Commentary - How low will rates go?
National Mortgage Conference hears from Jason Ellis on the market, the outlook, recent legislative changes and his policy prescriptions
Residential Market Commentary - Big cut by BoC
Looking forward: is Canada’s housing market poised for a rebound?
Bank of Canada’s 7th decision of 2024 brings its benchmark interest rate to 3.75%
Residential Market Commentary - Buyers wait for a better rate
Market Memo: The personal touch - October 2024
Residential Market Commentary - Coin toss on rate cut
Market Commentary - A catch-up and overview of the markets
Residential Market Commentary - CREA and competition
Residential Market Commentary - Less stress
Market Memo: A little good news - September 2024
Residential Market Commentary - Quiet market in August
Residential Market Commentary - A hopeful fall for realtors
Residential Market Commentary - Rates fall. Market slow to react.
Bank of Canada reduces its benchmark interest rate to 4.25%
Residential Market Commentary - Ongoing rate cuts expected
Residential Market Commentary - More room for rate relief
Market Memo: Housing & climate change - August 2024
Residential Market Commentary - Real estate pushes pause button
Residential Market Commentary - Housing concerns moderate at BoC
Residential Market Commentary - Canadian financial confidence flags
Residential Market Commentary - BoC cuts rates again
Bank of Canada reduces its benchmark interest rate to 4.50%
Residential Market Commentary - High expectations for lower rates
QUARTERLY REPORT - July 2024
Residential Market Commentary - Financial optimism declines
Residential Market Commentary - Employment and rate cuts
Residential Market Commentary - Rate cut unlikely in July
Residential Market Commentary - Sleepy and uneventful
Market Memo: Divergence - June 2024
Residential Mortgage Commentary - Canadians are getting richer
Being your best also means taking a break
Being your best by supporting clients confidently
More tips for phone and video communication
Better communication by phone and video
Better answers to client questions
Residential Mortgage Commentary - The rate cut arrives
Bank of Canada reduces its benchmark interest rate to 4.75%
Residential Mortgage Commentary - Interest rate decision time
Residential Mortgage Commentary - More good inflation news
Mortgage videos
Mortgage calculators
Glossary of terms
Prepayment privileges and charges
My Mortgage
Residential Mortgage Commentary - Spring buying season sprouts slowly
Residential Mortgage Commentary - Interest rate watch
QUARTERLY REPORT – April 2024
Residential Mortgage Commentary - BoC looks to interest rate cuts
Residential Mortgage Commentary - Scrutinizing BoC deliberations
Residential Mortgage Commentary - Latest trends among homebuyers
Market Commentary: An overview of this week’s federal budget
Residential Mortgage Commentary - Living in interesting times
No change in Bank of Canada benchmark interest rate today
Residential Mortgage Commentary - Affordability concerns persist despite coming rate cuts
Residential Mortgage Commentary - Government budgets focus on housing
Residential Mortgage Commentary - Realtors hopeful about spring market
Market Memo: BoC balancing act. Inflation vs Recession – Mar. 2024
Residential Mortgage Commentary - StatsCan fourth quarter review
Residential Mortgage Commentary - Debt strain & delinquencies
Bank of Canada keeps its benchmark interest rate at 5.0% (for now)
Residential Mortgage Commentary - Falling rates reignite home buying intentions
Residential Mortgage Commentary - One meeelyun dollars
Residential Mortgage Commentary - January sales jump
Market Memo: Economic gloom, but not doom – Feb. 2024
Residential Mortgage Commentary - Affordability and the Bank of Canada
Residential Mortgage Commentary - BoC boss holds the line on interest rates
Market Commentary: Rate and GDP update and US employment numbers
Residential Mortgage Commentary - BoC shifts focus from how high to how long
Market Commentary: An update on rates, the BoC meeting and US GDP
Bank of Canada starts 2024 by keeping its benchmark interest rate at 5.0%
QUARTERLY REPORT – January 2024
Residential Mortgage Commentary - Canadians adapting to current economy
Market Commentary: A look at this week’s inflation numbers and recent housing market activity
Residential Mortgage Commentary - Debt worries weigh on Canadian consumers
Market Commentary: An overview of this week by the Treasury Guy
Residential Mortgage Commentary - Post-holiday update
Market Commentary: Jason Ellis reviews this week’s numbers
First National’s Treasury Guy, Jason Ellis, provides a year in review
Residential Mortgage Commentary - Countdown to rate cuts
Bank of Canada holds its policy interest rate steady, updates its outlook
Residential Mortgage Commentary - BoC likely to hold the line
Residential Mortgage Commentary - Ottawa offers comfort to nervous borrowers
Residential Mortgage Commentary - Colder weather and a cooling market
Residential Mortgage Commentary - BoC: Prepare for higher for longer
Residential Mortgage Commentary - Economists vs the market
Residential Mortgage Commentary - Credit quality concerns
Bank of Canada holds its interest rate steady, publishes updated economic forecasts
Residential Mortgage Commentary - Interest rate uncertainty stifles home construction
Residential Mortgage Commentary - Cooling continues as fall arrives
Quarterly Report - October 2023
Residential Mortgage Commentary - Housing starts stagnate
Residential Mortgage Commentary - Positive housing market sentiment
Residential Market Commentary - Rate hike expectations
Market Memo: The politics of housing – Sep. ‘23
Residential Market Commentary - Better balance in August
Bank of Canada leaves its benchmark interest rate at 5.0%
Residential Market Commentary - New interest rate outlook
Residential Market Commentary - Fixed rates favoured, for shorter terms
Residential Market Commentary - Price moderation and more inventory in July
Residential Market Commentary - Inflation projections
Residential Market Commentary - Employment softens. Will the Bank of Canada?
Residential Mortgage Quarterly Review – July 2023
Residential Market Commentary - GDP and interest rate predictions
Residential Market Commentary - June jump for housing starts
Residential Market Commentary - Housing market softens
Persistent inflation leads the Bank of Canada to increase its benchmark interest rate
Residential Market Commentary - Inflation expectations remain sticky
Residential Market Commentary - OSFI bolsters the backstop
Residential Market Commentary - Strong market in May
Market Memo: New home buyer insights - June 2023
Residential Market Commentary - Surprise rate hike. More to come?
Market Memo: Mortgage Market, Changing Tastes – May ‘23
Economic growth leads the Bank of Canada to increase its benchmark interest rate
Residential Market Commentary - Canada’s tenacious economy
Residential Market Commentary - Canadian consumer confidence climbs
Residential Market Commentary - Bank of Canada looks at mortgage risks
Residential Market Commentary - Rates rise, satisfaction slips
Residential Market Commentary - Spring market activity begins to bloom
Residential Market Commentary - The economy slows down
Quarterly report – Apr. 2023
Residential Market Commentary - Banking regulator gauges risk
Residential Market Commentary - Spring market comes to life
Market Memo: Canada’s housing conundrum - Apr. 2023
Bank of Canada holds its benchmark rate at 4.50%, updates its outlook
Residential Market Commentary - BoC expected to stay on the sidelines
Residential Market Commentary - GDP’s double-edged sword
Residential Market Commentary - Inflation improves again
Residential Market Commentary - Housing market optimism
Residential Market Commentary - Taking a pause, but for how long?
Bank of Canada maintains its benchmark interest rate to 4.50%
Residential Market Commentary - Pressing the pause button
Residential Market Commentary - Optimism lives, but concerns persist
Residential Market Commentary - Declines continue. Is the bottom in sight?
Residential Market Commentary - Job data and inflation
Market Memo: New Year, New Rules Part 2 – Jan. 2023
Residential Market Commentary - It’s a pause, not a pivot
Market Memo: New Year, New Rules Part 1 – Jan. 2023
Residential Market Commentary - Bank of Canada plans a pause
Bank of Canada increases its benchmark interest rate to 4.50%
What’s ahead for Canada? Here is what the country’s leading economists think.
Residential Mortgage Quarterly Review – January 2023
Residential Market Commentary - Lingering inflation pressures
Residential Market Commentary - High costs chase some Canadians out of big cities
Residential Mortgage Commentary - Inflation & interest rates: lead characters for 2023
Residential Market Commentary - No surprises in CREA’s November numbers
Residential Mortgage Commentary - The next move by the Bank of Canada
Bank of Canada increases its benchmark interest rate to 4.25%
Residential Market Commentary - Five-year terms & variable rates fall from favour
Residential Market Commentary - Unconscious spending
Residential Mortgage Commentary - Inflation report offers hope of interest rate relief
Residential Mortgage Commentary - Employment, inflation and interest rates
Residential Mortgage Commentary - Inflation & interest pinching consumers
Residential Mortgage Commentary - Bank of Canada signals a slowdown
Bank of Canada increases its benchmark interest rate to 3.75%
Residential Mortgage Commentary - Another interest increase all but guaranteed
Residential Mortgage Commentary - Misleading averages
Residential Mortgage Commentary - Home ownership on hold
Residential Mortgage Commentary - Inflation & interest rates increase anxiety
Residential Mortgage Commentary - Census says: renting on the rise
Residential Mortgage Commentary - As autumn arrives the market cools further
Residential Mortgage Commentary - Rates up again. More hikes likely.
Bank of Canada increases its benchmark interest rate to 3.25%
Residential Mortgage Commentary - When will the BoC pause interest increases?
Residential Mortgage Commentary - More tough talk on inflation
Residential Mortgage Commentary - Realtors and bankers expect short housing correction
Residential Mortgage Quarterly Review - Q2 2022
Residential Mortgage Commentary - Affordability update
Residential Mortgage Commentary - A sinking feeling among consumers
Residential Mortgage Commentary - Despite challenges, desire to own is still strong
Residential Market Commentary - Cautious economic optimism
Residential Mortgage Commentary - A cool summer arrives
Bank of Canada increases its benchmark interest rate to 2.50%
Residential Market Commentary - Inflation and the “R” word
Residential Market Commentary - Real estate knowledge gap
Residential Market Commentary - Affordability concerns
Residential Market Commentary - Fighting fear about fighting inflation
Residential Market Commentary - Collateral damage in the inflation fight?
Residential Market Commentary - Bank of Canada toughens up its inflation fight
Bank of Canada increases its benchmark interest rate to 1.50%
Residential Market Commentary - Rising rates have Canadians looking at alternatives
Residential Market Commentary - Inflation is deflating consumers
Residential Market Commentary - Lingering heat in the housing market
Residential Market Commentary - Housing market cooling
Residential Market Commentary - Interest rates and a hot economy
Residential Market Commentary - Interest rate outlook
Residential mortgage quarterly review Q1 2022
Residential Market Commentary - “Inflation is too high”
Bank of Canada increases its benchmark interest rate (again), issues New Monetary Policy Report
Residential Mortgage Commentary - No silver bullet
Residential Market Commentary - Affordability anxiety
Residential Market Commentary - Rising rates. What’s next?
Residential Market Commentary - Hot in February, but cooling in the forecast
Residential Market Commentary - Debt rises, so does net worth
Residential Market Commentary - Rising rates: fixed or variable?
Bank of Canada increases its benchmark interest rate, updates its 2022 outlook
Residential Market Commentary - The war and interest rates
Residential Market Commentary - The influence of investors
Residential Mortgage Commentary - Demand pressure pushing up prices
Residential Mortgage Quarterly Review – January 2022
Residential Mortgage Commentary - What renters think
Residential Market Commentary – Hiking rates without an increase
Bank of Canada holds benchmark interest rate steady, updates 2022 economic outlook
Residential Market Commentary - Interest rate anticipation runs high
Residential Market Commentary - Canadians prefer interest increases over inflation
Residential Market Commentary - Surtax study riles industry
Residential Market Commentary - Winter chill does not cool market
Residential Market Commentary - BoC sings same song
Bank of Canada holds benchmark interest rates steady in final decision of 2021
Residential Market Commentary - “Belabouring” interest rate increases
Residential Market Commentary - Investors, increases and instability
Residential Market Commentary - No rush for a rate hike
Residential Market Commentary - Affordability woes
Residential Market Commentary - The case for slower price growth
Residential Market Commentary - A change in tone on inflation
Bank of Canada holds benchmark interest rates steady, ends special quantitative easing
Residential Market Commentary - Affordability and debt cause concerns
Residential Market Commentary - Bubble, bubble toil and trouble
Residential Market Commentary - The future of inflation
Residential Mortgage Quarterly Review - Fall 2021
Residential Market Commentary - Buying beats renting
Residential Market Commentary - Goodbye city life?
Residential Market Commentary - New factors affecting mortgages
Residential Market Commentary - BoC on the sidelines but sending signals
Bank of Canada holds benchmark interest rates steady
Residential Market Commentary - A closer look at blind bidding
Residential Market Commentary - A nuanced but notable signal from the U.S. Fed
Residential Market Commentary - Election housing promises
Residential Market Commentary - Changing affordability and maximum mortgages
Residential Market Commentary - What's ahead for interest rates
Residential Market Commentary - Property: Bet you can’t own just one
Residential Market Commentary - Interest rates vs. inflation
Bank of Canada holds benchmark interest rates steady, publishes quarterly outlook
Residential Market Commentary - The light at the end of the tunnel shines on more spending
Residential Market Commentary - High prices trump stress test
Residential Market Commentary - Mortgage debt milestone
Residential Market Commentary - More moderation in May
Residential Market Commentary - Worth more, spending less
Bank of Canada holds benchmark interest rates steady, updates its economic outlook
Residential Market Commentary - Looming election could lull housing policies
Residential Market Commentary - Credit scores rise: good news and bad news
Residential Market Commentary - Bank of Canada steps up to the bully pulpit
Residential Market Commentary - Inflated inflation forecast
Residential Market Commentary - Hot market to persist
Residential Market Commentary - Interest rate uncertainty
Residential Market Commentary - Getting better, faster
The Bank of Canada made its interest rate decision today
Residential Market Commentary - Remarkable March
Residential Market Commentary - Tightening the stress test
Residential Market Commentary - Eyeing inflation and interest rates
Residential Mortgage Quarterly Review - Q1 2021
Residential Market Commentary - Canadians remain committed to home ownership
Residential Market Commentary - The return of concern about a housing bubble
Residential Market Commentary - Light at the end of the COVID tunnel
Bank of Canada holds benchmark rate steady, updates economic outlook
Residential Market Commentary - Starting to feel the heat
Residential Market Commentary - Inflation rising, for now
Residential Market Commentary - Rapidly evolving expectations: The latest
Residential Market Commentary - Rate rise rumours
Residential Market Commentary - Sustaining the work from home society
Residential Market Commentary - Hopes for home ownership stay strong
Bank of Canada holds benchmark rate steady, updates economic outlook
Residential Market Commentary - Christmas in December
Residential Mortgage Quarterly Review - Q4 2020
Residential Market Commentary - High demand, higher prices for 2021
Residential Market Commentary - Autumn chill does not cool hot market
Looking back on 2020 with Thomas Kim
Residential Mortgage Commentary - Household debt creep resumes
Bank of Canada holds benchmark rate steady, updates economic outlook
Residential Market Commentary - Signs of a strong market amid economic confusion
Residential Market Commentary - Strong market despite consumer concerns
Residential Market Commentary - Canadians hoarding cash
Residential Market Commentary - Financial Literacy Month
Residential Market Commentary - Optimism: point, counterpoint
Residential Market Commentary - Expectations remain positive
Bank of Canada holds benchmark rate steady, updates economic outlook
Residential Market Commentary - Canadian consumers’ cautious optimism
Residential Market Commentary - More amazing market numbers
Residential Market Commentary - Caution and patience as we look ahead
Residential Market Commentary - Optimism strong in a weakening economy
Residential Market Commentary - Housing market stable, but prices in question
Market Memo: Remote work and some new realities
Residential Market Commentary - Hot August for home sales
Residential Market Commentary - Debt ratio dips, but not for everyone
Bank of Canada holds benchmark rate steady, continues large-scale asset purchase
Residential Market Commentary - Debt and delinquencies up, but under control
Residential Market Commentary - A Big Fall, But a Bounce off the Bottom
Residential Market Commentary - Just delayed, not dormant
Residential Market Commentary - Feds seem split on mortgage policy
Residential Market Commentary - Homeowners are shaking off COVID concerns
Residential Market Commentary - Improving, but fragile
Residential Market Commentary - Good news: inflation rises
Residential Market Commentary - Robust rebound in June
Bank of Canada holds benchmark rate steady, continues large-scale asset purchases
Residential Market Commentary - Market optimism remains cautious
Residential Market Commentary - A little less bad = the new good
Residential Market Commentary - CMHC remains bearish
Residential Market Commentary - Glimpses of optimism
Residential Market Commentary - CMHC credit score criticism
Residential Market Commentary - CMHC takes a bite out of purchasing power
Bank of Canada holds the line on its benchmark rate
Residential Market Commentary - Lenders: Living on the edge?
Residential Market Commentary - Downplaying dire doomsayers
Residential Market Commentary - Home sales fall, debt worries rise
Residential Market Commentary - Pandemic predictions
Residential Market Commentary - The new boss. Same as the old boss?
Residential Market Commentary - Crumbling confidence
Residential Market Commentary - March madness
Bank of Canada holds the line on its benchmark rate
Residential Market Commentary - What we know. What we can hope for.
Residential Market Commentary - March limps away
Bank of Canada lowers rates again and launches two debt market support programs
Canadian and U.S. central banks respond to COVID-19
Residential Market Commentary - Debt goes for a hike
Market Memo: Presale shenanigans
Residential Market Commentary - 2017's Q2 figures reveal an increase in risk to the Canadian economy
Mortgage rule change hits first-time buyers the hardest