Erica Ma - Mortgage Broker

Erica Ma || June 03, 2019

Canadian Housing Affordability Improves – Really! Here’s Why

Housing affordability has been big talk in the country for a few years now. We’ve had rising interest rates and rising house prices, to a point where government felt it had to intervene to mitigate...

Erica Ma || May 06, 2019

Buy a House Now or Wait?

There are a lot of questions surrounding affordability in the housing market. There is some uncertainly as to whether the housing market will continue to slow down, with prices starting to decline in...

Erica Ma || April 15, 2019

Yes, you can be a homeowner

The news is full of negatives about housing market slowdowns, mortgage stress tests that shut millennials out of homeownership, low inventory, a slowing economy – it goes on. Although it may seem...

Erica Ma || March 22, 2019

Anatomy of mortgage changes

There is little doubt that housing sales have slowed down in the past year, due in large part to stricter mortgage regulations. Part of those regulations is a mortgage stress test that requires...