💡Also in this edition: • Latest from RateLand • The Value Zone • Mortgage Bytes Anyone who cares about property values needs to care about population values. When household formation outpaces housing formation, real estate markets fly as high as a kite, and vice versa. Since the Liberals announced their non-permanent resident (NPR)

"As soon as we give someone a mortgage they’re thinking about ways to get out of it." — Yousry Bissada, Home Trust CEO In today's low-volume mortgage market, brokers are hunting leads like they're the last slice of pizza at a frat party. Home

💡Also in this edition: • Ontario's broker regulator clarifies suitability expectations • Mortgage Bytes Virtually every mortgage pro in Canada does some kind of suitability assessment before recommending a mortgage. But there are vast differences in how effectively they analyze client circumstances, compare financing options and make fitting recommendations. Some

📰Also in this edition: • The MLN Minute • Mortgage Bytes Aside from CPI, employment data are typically the biggest routine driver of mortgage rates. And on Friday, StatsCan dealt borrowers a good hand on job numbers, at least from a rate perspective. For the full rundown, skim through MLN's