Friday, 2 September 2011

The New Mortgage Rules that Actually Work

This week,  CMHC reported a 40% drop in Canadians refinancing their homes since new mortgage rules were brought in. On the surface this seems like great news as Canadians are using their homes less and less like an ATM. But on the other hand those who are still refinancing are doing so on a greater valued home and are slowing moving towards the kind of situation many Americans found themselves in during the housing collapse. They owed more than the house was worth.

The rules really worth celebrating are the ones that make it harder for people to take out a variable mortgage and pay the minimum and by investing on speculation. Read more on my column.


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