💡See also: Mortgage Bytes (below) The bank regulator's axing of the mortgage stress test on uninsured switches was a win for consumers—but so far, only a partial win. OSFI has definitively confirmed that the stress test exemption "does not apply to straight [uninsured] mortgage switches from

On November 1, Canada's banking watchdog unleashed its loan-to-income (LTI) limits on Canada's biggest banks. Curious about how things were progressing, we asked a Big 6 bank executive for his unvarnished take on how LTI is affecting the mortgage market. One key takeaway: mortgages could become

Mortgage origination is communication intensive. Many brokers and lender reps easily spend 3+ hours per workday drowning in emails. If they could trim that by just 10%, they'd save a precious 75 hours a year. What could you do with 75 more hours before New Year's?

💡Also in this edition: Mortgage Bytes (after the story) Most of the time, when homebuilding is booming, so is the mortgage business. That's just one reason why our industry is pulling for homebuilders to get their groove back—at least in Canada's biggest provinces. To sniff