If you're looking for answers on where rates could go from here, don't rely on Bay Street economists. Not yet, anyway. Following America's November 5 election, Canada's rate outlook has become an inkblot test; seemingly every expert sees something different. The reason

Six weeks ago, Scotiabank dropped a policy bomb with its STEP qualifying rate change. The move made it much harder for borrowers with higher debt ratios to get approved. After investigation, we've since unearthed suspected reasons behind this shift. The story that follows outlines those, as well as

💡In today's edition... • Fed mind games: Hawkish? Dovish? Both! • Nesto's exclusive with M3 is ending • Fixed rates on ice • Rogers tells the DoF what it should have already known It's been a smorgasbord of mortgage news this week...