Here are my thoughts on the significant wave of mortgage renewals ahead of us in 2026: • The upcoming wave of renewals is very much on my radar. • A roughly 20% decline in real estate values from recent peaks has pushed loan‑to‑value (LTV) ratios higher, no doubt making some renewals more challenging. • That […]

The last two years will be recorded as the two most volatile years in the history of fixed income. There was a 10.115% decline in 2022 and an 8.323% gain in 2023. But that is the past; what do we expect this year? In this period, the Bank of Canada raised the rate by 4.75% […]