⏩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.

It's hard to take a firm position on which mortgage term is optimal for most people at any given time. But on Friday, we did just that by awarding the "MVT" (most valuable term) to floating-rate mortgages. Now, we take such declarations seriously and didn'

Buried in OSFI's consultation feedback on Monday was this line: "Insured borrowers...are exempt from the re-application of the MQR when switching lenders at renewal." Most mortgage advisors know that this switch exemption applies to grandfathered mortgages—e.g., insured mortgages that closed before November 2016.

For decades, homeowners have used leveraged investing techniques like the Smith Manoeuvre (SM) to turn dull old mortgages into tax-deductible debt, pay off those mortgages quicker and build more retirement assets. Some of you use the SM yourself — or have sold mortgages (or want to sell mortgages) to people who