Our committment to thought leadership
We have assembled a collection of thought provoking articles, reports, surveys, industry information, and other interesting content for your enjoyment.
by Yvonne von Jena | June 26, 2017
The structure of the mortgage insurance market has been changing significantly and is expected to change more in the coming years. According to various industry estimates, approximately 45-55% of residential mortgage debt in Canada is insured and with all the new rules and regulations, it is expected to continue to fall to about 25% in three years with no changes.
![[Moody's Analytics] House Prices Going One Way, Rates Another](https://www.rpsrealsolutions.com/img/blog/2017/06/MA_Logo-Blue-002.jpg){kind=logo}
by Yvonne von Jena | June 22, 2017
According to economist Paul Matsiras of Moody’s Analytics, federal mortgage regulations and increased provincial taxes and regulations have, as expected, restrained housing starts and curbed house prices. The question then becomes what happens when the Bank of Canada raises interest rates, which Moody's Analytics expects to begin in the third quarter.
![[Bank of Canada] Risks Resulting from the Recent Mortgage Rule Changes](https://www.rpsrealsolutions.com/img/blog/2017/06/BoC-FSR-Jun_2017.jpg)
by Yvonne von Jena | June 15, 2017
The Bank of Canada's June 2017 Financial System Review provides some interesting insights into mortgage risks that it is monitoring, some of which resulted from the recent mortgage rule changes.
by Yvonne von Jena | June 15, 2017
In recent interviews and presentations, Bank of Canada officials have been saying that the Canadian economy is picking up. Markets are taking the Bank's positive tone to mean that interest rate hikes could come sooner than had been expected, which was early 2018. Up until recently, the Bank had been saying it would stay the course on its own monetary policy by continuing to hold its target rate, and diverge from increases in interest rates by the U.S. Federal Reserve.
![[Zillow] Paint Colour Impacts the Sale Price of a Home](https://www.rpsrealsolutions.com/img/blog/2017/06/Zillow-Bathroom.jpg)
by Yvonne von Jena | June 4, 2017
According to Zillow's research in the U.S., certain paint colours result in higher sales prices for homes, while other result in lower sales prices.
by Yvonne von Jena | June 2, 2017
It's official: the Ontario government has now passed legislation the Non-Resident Speculation Tax, which it says will increase housing affordability for people in the Greater Golden Horseshoe.
by Yvonne von Jena | May 29, 2017
A poll of analysts by Reuters said that although Ontario's measures will cool activity in Toronto and its surrounding areas, the effect will be modest and temporary. Overall, economists do not expect Canadian house prices to come down yet thanks to low interest rates, a weak Canadian dollar and strong demand.
by Yvonne von Jena | May 22, 2017
House prices in Australia have been growing at a consistent and quick pace, much like in Canada. The response by the Australian government? It is addressing this growth by making “housing affordability†a feature of its budget and boosting supply.
by Yvonne von Jena | May 12, 2017
Understanding the perceptions and realities of flood protections and coverage is important in assessing the real risk to real property from flooding, especially as major floods hit many parts of the country.
