⏩The short of it: In 2024, the BoC should loosen its grip and give rates a snip. The market's magic 8-ball now shows 5-6 target rate cuts in 2024. Until that seems imminent, the BoC will keep playing hardball—trying to deter premature rate celebrations and home-buying exuberance.

Calling mortgage renewal risk a "hot topic" is like calling the Grand Canyon a nice ditch, quite an understatement. Mortgage renewal chatter is hitting a level of buzz we haven't seen in decades, as the Google Trends chart below documents. Bank of Canada researchers piled on

⏩The short of it: Overpopulating and underbuilding is a recipe for absurd housing costs. Here's a look at six resulting implications, plus six opportunities for mortgage pros. For originators ready to dodge the stats and dive straight into dollar signs, the business strategy bits are near the middle.

If you're in the mortgage game—and serious about it—strategy planning for the coming year is an annual ritual. When crafting that plan, it never hurts to compare your outlook with that of big players in the mortgage origination space. And in Canada, they don't