Category - blog

Trends in mortgage regulation

Trends in mortgage regulation

Regulations and government intervention in Canada’s mortgages market has been a hot topic for some time. At the heart of the debate is concern over how inflated Canada’s construction market is, and what steps the government needs to take, if any, to deflate it.
If we dig back even...

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The benefits of mortgage investing

The benefits of mortgage investing

Investing in the construction-related sector often means investing in real estate, doesn’t it. Real-estate investment and speculation is considered one of the staples of a modern economy. Historically, the price of land and buildings have always eventually gone up. So, buying and...

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Construction mortgages explained

Construction mortgages explained

While the concept of a mortgage may seem relatively simple — involving a lender, borrower and collateral — the reality is that mortgages can in fact be complex entities with many facets and associated regulations. That’s why mortgage investment corporations (MICs) such as ASCEND MIC...

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private mortgages

The attraction of private mortgages

Canada’s banking system has traditionally been very well regulated and, as a result, has withstood pressures such as the global housing bubble. The same goes for Canada’s housing and construction sectors: well regulated, more resistant to collapse.
However, although this resistance to...

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The upside of foreclosures

The upside of foreclosures

Mortgages are considered to be relatively safe sources of financing precisely because they are backed by the value of the underlying property. That’s why they call it collateral. If a mortgage payment is not made, the lender has the right to seize the property to recoup the investment...

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a-mortgage-broker

What exactly is a mortgage broker?

There used to be a time when everyone would simply go to their bank in order to secure a mortgage. In fact, people still do that, although the practice is less common today than it once was. That’s because mortgage brokers have become a more commonly accepted part of the mortgage...

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The regulated nature of mortgages

The regulated nature of mortgages

Regulations surrounding mortgage financing have always been a source of debate — in Canada, the United States (where the last housing and financial crisis started) and worldwide. As with most things in life, there needs to be a balance.
On the one hand, mortgage regulations need to be...

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Canada’s strong mortgages market

Canada’s strong mortgages market

Mortgages aren’t generally seen as a “market,” in and of themselves, but they are. A mortgage isn’t just a way of allowing people to buy a house, or even a commercial property. Mortgages serve as an investment sector in the economy; one that attracts the attention of not only...

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What is a private mortgage?

What is a private mortgage?

Most people associate mortgages with banks lending money to homeowners in exchange for interest payments that are secured by the property itself as collateral. In fact, most people probably have some experience with this kind of mortgage from the bank, whether the experience is direct...

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Types of mortgage investments

Types of mortgage investments

Previously we have discussed the basic principles behind investing in mortgages and why mortgages serve as such sound financial investments. In a nutshell, lending property owners money in exchange for high interest payments backed by the security of the property itself (collateral)...

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