Bryan Dudley & Greg Perih, Realtech Capital Group Inc.
July 2010

With the current volatility in the interest rate market, a question we often get asked by clients is “what are interest rates going to do in the future?” While there is no way to predict the future, we can look into what interest rates have done historically and at the forecasts put forward by some of the top economists in the region.

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Bryan Dudley, Realtech Capital Group Inc.
March 6th, 2009

The current lending environment presents apartment owners with a unique opportunity to improve their cash flow by refinancing at today’s low rates. As many apartment owners will know, lenders price their loans for apartment buildings in terms of a “spread” over Government of Canada (“GOC”) bonds. As a result, other things equal, if bond rates fall, the interest rate on new loans for apartments will fall with it.

Steve Merritt, Citifund
December 2008

The mortgage market has been a very interesting playing field lately. Lender spreads are up, and capital for real estate lending has been restricted for many reasons including some lenders literally closing their doors.

Nic Green & Brian Jagger, Citifund Capital Corp.
March 2008

The mortgage market has been abnormally volatile in recent months. The consequences of the sub-prime mortgage issue and the ensuing collapse of the asset backed securities market have negatively impacted the supply of Canada’s mortgage market. Supply has shrunk and the spread over bond yields has increased.