Jonathan Da Cruz - Mortgage Broker

Jonathan Da Cruz || March 15, 2019

The Canadian economy and the housing market

We are living in strange times, economically speaking. Mortgage stress tests have slowed the housing market and may be one of the reasons the Bank of Canada has signaled it may pause on increasing...

Jonathan Da Cruz || December 06, 2018

The Upside of Alternative and/or Unregulated Lenders

A recent report from the Bank of Canada reviewed the impact of the government's policy changes on the mortgage market. It found that overall market activity had slowed -- something we knew would...

Jonathan Da Cruz || January 23, 2017

Canada set to grow in different ways

The Canadian economy is poised to grow again, but in a very different way according to the Bank of Canada’s (BoC) recently-released Monetary Policy Report. The BoC expects global economic growth to...

Jonathan Da Cruz || January 23, 2017

Millennials need help with home ownership

Recent reports from two of Canada’s major banks – CIBC and ScotiaBank – offer a glimpse into the world of millennials and home ownership as well as the impact of the Internet on mortgage...