top of page
TACG
![](https://static.wixstatic.com/media/3417fb_0c334c553d3e49dfaa6e2d4de0f47ddd~mv2.png/v1/fill/w_120,h_32,al_c,q_85,usm_0.66_1.00_0.01,enc_avif,quality_auto/3417fb_0c334c553d3e49dfaa6e2d4de0f47ddd~mv2.png)
Search
![](https://static.wixstatic.com/media/11062b_4260a9e98fed4080ab74afa0595a8d43~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/11062b_4260a9e98fed4080ab74afa0595a8d43~mv2.webp)
![Bank of Canada makes a rate announcement](https://static.wixstatic.com/media/11062b_4260a9e98fed4080ab74afa0595a8d43~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/11062b_4260a9e98fed4080ab74afa0595a8d43~mv2.webp)
Sep 30, 20211 min read
Bank of Canada makes a rate announcement
The announcement reaffirmed the Bank's projection that interest rates are likely to begin rising in the second half of 2022. #appraisers...
0 views
![](https://static.wixstatic.com/media/11062b_6d8663bf463849c9a67f654f9938cd92~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/11062b_6d8663bf463849c9a67f654f9938cd92~mv2.webp)
![Mortgage Stress Tests](https://static.wixstatic.com/media/11062b_6d8663bf463849c9a67f654f9938cd92~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/11062b_6d8663bf463849c9a67f654f9938cd92~mv2.webp)
Aug 31, 20211 min read
Mortgage Stress Tests
With tighter rules to pass the stress test, sales may slow down but some markets are still hot. We have a robust economy and population...
0 views
![](https://static.wixstatic.com/media/nsplsh_8cec23efc74c4916b49a47b38b1b4812~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_8cec23efc74c4916b49a47b38b1b4812~mv2.webp)
![CMHC has just made it easier to get mortgage insurance. Here's what that means for you.](https://static.wixstatic.com/media/nsplsh_8cec23efc74c4916b49a47b38b1b4812~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_8cec23efc74c4916b49a47b38b1b4812~mv2.webp)
Jul 31, 20211 min read
CMHC has just made it easier to get mortgage insurance. Here's what that means for you.
The CMHC lightened up restrictions which previously made it difficult for potential buyers to be approved for a mortgage. The corporation...
0 views
![](https://static.wixstatic.com/media/nsplsh_576755487547535750564d~mv2_d_4000_6000_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_576755487547535750564d~mv2_d_4000_6000_s_4_2.webp)
![Why Mortgage Debt is now the focus for many Canadians](https://static.wixstatic.com/media/nsplsh_576755487547535750564d~mv2_d_4000_6000_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_576755487547535750564d~mv2_d_4000_6000_s_4_2.webp)
Jun 30, 20211 min read
Why Mortgage Debt is now the focus for many Canadians
In an effort to slow the housing market down, the office of the Superintendant of Financial Institutions introduced new guidelines on the...
0 views
![](https://static.wixstatic.com/media/nsplsh_08978fde3b3f4b039c921c8855d20014~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_08978fde3b3f4b039c921c8855d20014~mv2.webp)
![Eglington Crosstown LRT is Causing a Huge Spike in Nearby Condo Prices...](https://static.wixstatic.com/media/nsplsh_08978fde3b3f4b039c921c8855d20014~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_08978fde3b3f4b039c921c8855d20014~mv2.webp)
May 31, 20211 min read
Eglington Crosstown LRT is Causing a Huge Spike in Nearby Condo Prices...
If you have driven down Eglington in the past 10 years, you know that it's been under heavy construction. That construction will prove to...
5 views
![](https://static.wixstatic.com/media/nsplsh_269b92388a264212a9c063037d70372a~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_269b92388a264212a9c063037d70372a~mv2.webp)
![CMHC Housing in Toronto is predicted to rise by $275,000 by 2023...](https://static.wixstatic.com/media/nsplsh_269b92388a264212a9c063037d70372a~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_269b92388a264212a9c063037d70372a~mv2.webp)
Apr 30, 20211 min read
CMHC Housing in Toronto is predicted to rise by $275,000 by 2023...
According to the CMHC housing in Toronto is predicted to rise by $275,000 by 2023. If you are looking to buy, now is the time......
4 views
![](https://static.wixstatic.com/media/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.webp)
![Bank of Canada will hold Current Level of Policy Rate...](https://static.wixstatic.com/media/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.webp)
Mar 31, 20211 min read
Bank of Canada will hold Current Level of Policy Rate...
On March 10th, the Bank of Canada issued a press release stating that it will hold the current level of policy rate until inflation...
4 views
![](https://static.wixstatic.com/media/nsplsh_f4dde6e02dbf425fabb27c11f30f96c8~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_f4dde6e02dbf425fabb27c11f30f96c8~mv2.webp)
![The Future is Bright ...](https://static.wixstatic.com/media/nsplsh_f4dde6e02dbf425fabb27c11f30f96c8~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_f4dde6e02dbf425fabb27c11f30f96c8~mv2.webp)
Feb 28, 20211 min read
The Future is Bright ...
The Future is bright according to CEO Brian Porte of Scotiabank. Canada is set to bounce back from the repercussions of this pandemic....
1 view
![](https://static.wixstatic.com/media/11062b_5455417a95314398b57c27c48716c57f~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/11062b_5455417a95314398b57c27c48716c57f~mv2.webp)
![Toronto Real Estate Board says home prices hit record in 2020 as sales climbed ...](https://static.wixstatic.com/media/11062b_5455417a95314398b57c27c48716c57f~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/11062b_5455417a95314398b57c27c48716c57f~mv2.webp)
Jan 31, 20211 min read
Toronto Real Estate Board says home prices hit record in 2020 as sales climbed ...
After seeing buyers compete with multiple offers on homes across the Greater Toronto Area, real estate agent Navid Rashid is recovering...
4 views
![](https://static.wixstatic.com/media/nsplsh_7a424855303868647a6859~mv2_d_3890_2949_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_7a424855303868647a6859~mv2_d_3890_2949_s_4_2.webp)
![Canadian Home Sales surged to record highs ...](https://static.wixstatic.com/media/nsplsh_7a424855303868647a6859~mv2_d_3890_2949_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_7a424855303868647a6859~mv2_d_3890_2949_s_4_2.webp)
Sep 30, 20201 min read
Canadian Home Sales surged to record highs ...
Canadian home sales are surging to record highs. "What a difference three months makes, from some of the lowest housing numbers ever back...
6 views
![](https://static.wixstatic.com/media/11062b_b53bfa02d7114683a8de7a3c4fb446a5~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/11062b_b53bfa02d7114683a8de7a3c4fb446a5~mv2.webp)
![The Bank of Canada has lowered the base qualification rate for the stress test to 4.79% ...](https://static.wixstatic.com/media/11062b_b53bfa02d7114683a8de7a3c4fb446a5~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/11062b_b53bfa02d7114683a8de7a3c4fb446a5~mv2.webp)
Aug 31, 20201 min read
The Bank of Canada has lowered the base qualification rate for the stress test to 4.79% ...
The bank of Canada has lowered the base qualification rate for the stress test to 4.79%. This is the third drop since we entered into the...
6 views
![](https://static.wixstatic.com/media/nsplsh_49547a6667503737445467~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_49547a6667503737445467~mv2.webp)
![Lenders use two rules to determine how much to lend you ...](https://static.wixstatic.com/media/nsplsh_49547a6667503737445467~mv2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_49547a6667503737445467~mv2.webp)
Jul 31, 20201 min read
Lenders use two rules to determine how much to lend you ...
Rule 1: Your gross debt service ratio: These are your housing costs, which shouldn't be more than 32% of your gross income. Housing costs...
0 views
![](https://static.wixstatic.com/media/nsplsh_365076344c74457739474d~mv2_d_4155_2770_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_365076344c74457739474d~mv2_d_4155_2770_s_4_2.webp)
![CMHC Mortgage Qualification Rules are changing as of July 1st 2020 ...](https://static.wixstatic.com/media/nsplsh_365076344c74457739474d~mv2_d_4155_2770_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_365076344c74457739474d~mv2_d_4155_2770_s_4_2.webp)
Jun 30, 20201 min read
CMHC Mortgage Qualification Rules are changing as of July 1st 2020 ...
The CMHC has announced new changes to mortgage qualifications that impact home buyers. Existing mortgages will not be affected and will...
1 view
![](https://static.wixstatic.com/media/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.webp)
![Canada's Mortgage Stress Test Might become a bit more lenient ...](https://static.wixstatic.com/media/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.webp)
May 31, 20201 min read
Canada's Mortgage Stress Test Might become a bit more lenient ...
Canada's mortgage stress test might become a bit more lenient according to a prediction from RateSpy.com . BMO and RBC have decided to...
1 view
![](https://static.wixstatic.com/media/nsplsh_6a65462d76797879746234~mv2_d_4418_2945_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_6a65462d76797879746234~mv2_d_4418_2945_s_4_2.webp)
![What will the Economy look like once things settle?](https://static.wixstatic.com/media/nsplsh_6a65462d76797879746234~mv2_d_4418_2945_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_6a65462d76797879746234~mv2_d_4418_2945_s_4_2.webp)
Apr 30, 20201 min read
What will the Economy look like once things settle?
What will the economy look like once things settle? Toronto Dominion Bank's CEO has expressed confidence that the domestic financial...
0 views
![](https://static.wixstatic.com/media/nsplsh_72674a314a385344454159~mv2_d_4592_3448_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_72674a314a385344454159~mv2_d_4592_3448_s_4_2.webp)
![Banks allowing Canadians to delay mortgage payments up to 6 months ...](https://static.wixstatic.com/media/nsplsh_72674a314a385344454159~mv2_d_4592_3448_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_72674a314a385344454159~mv2_d_4592_3448_s_4_2.webp)
Mar 31, 20201 min read
Banks allowing Canadians to delay mortgage payments up to 6 months ...
Are you concerned about your mortgage payments? Depending on your lender, there may be options available to you during this time....
7 views
![](https://static.wixstatic.com/media/nsplsh_332d54635f354c524f724d~mv2_d_5568_3712_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_332d54635f354c524f724d~mv2_d_5568_3712_s_4_2.webp)
![On April 6th the Federal Government is looking at changing the benchmark rate...](https://static.wixstatic.com/media/nsplsh_332d54635f354c524f724d~mv2_d_5568_3712_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_332d54635f354c524f724d~mv2_d_5568_3712_s_4_2.webp)
Feb 29, 20201 min read
On April 6th the Federal Government is looking at changing the benchmark rate...
On April 6th the Federal Government and Finance Minister are looking at changing the benchmark rate used in the stress test. The...
4 views
![](https://static.wixstatic.com/media/nsplsh_7646487835554851395038~mv2_d_7952_5304_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_7646487835554851395038~mv2_d_7952_5304_s_4_2.webp)
![About 92% of Canadians see at least one barrier to Owning a Home...](https://static.wixstatic.com/media/nsplsh_7646487835554851395038~mv2_d_7952_5304_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_7646487835554851395038~mv2_d_7952_5304_s_4_2.webp)
Jan 31, 20201 min read
About 92% of Canadians see at least one barrier to Owning a Home...
About 92% of Canadians see at least one barrier to Owning a Home... According to Zwillow and Ipsos, their top two concerns were related...
6 views
![](https://static.wixstatic.com/media/nsplsh_4642587558703537654d30~mv2_d_6000_4000_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_4642587558703537654d30~mv2_d_6000_4000_s_4_2.webp)
![Are Millennials worried about ever being able to afford a home in Toronto?](https://static.wixstatic.com/media/nsplsh_4642587558703537654d30~mv2_d_6000_4000_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_4642587558703537654d30~mv2_d_6000_4000_s_4_2.webp)
Dec 31, 20191 min read
Are Millennials worried about ever being able to afford a home in Toronto?
Are millennial's worried about ever being able to afford a home in Toronto and the GTA? Here is what a survey according to KPMG revealed...
2 views
![](https://static.wixstatic.com/media/nsplsh_4d49306c79726a79314941~mv2_d_6000_3375_s_4_2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_4d49306c79726a79314941~mv2_d_6000_3375_s_4_2.webp)
![Toronto Housing Market Update](https://static.wixstatic.com/media/nsplsh_4d49306c79726a79314941~mv2_d_6000_3375_s_4_2.jpg/v1/fill/w_514,h_386,fp_0.50_0.50,q_90,enc_auto/nsplsh_4d49306c79726a79314941~mv2_d_6000_3375_s_4_2.webp)
Nov 30, 20191 min read
Toronto Housing Market Update
Toronto Update The national housing market is showing promising conditions for the future. For the third quarter in a row, the CMHC has...
7 views
bottom of page