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2 Years 3.30%
3 Years 4.40%
4 Years 5.50%
5 Years 4.95%
7 Years 7.70%
10 Years 8.80%
6 Months Open 7.60%
1 Year Open 5.40%
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Most First-Time Homebuyers Spending All They Can Afford

Millennials have made up a significant portion of homebuyers in recent years and based on the 2018 Mortgage Consumer Survey, they continue to do so, representing just under half (49%) of first-time buyer respondents. Although this is a decrease from 60% in 2017 and 58% in 2016, Millennials continue to influence and shape the homebuying and mortgage process. Heres more of what we learned about Millennials and first-time buyers as a whole, powered by the 2018 Mortgage Consumer Survey. What does the typical first-time buyer profile look like? Forty percent are married, 80% are employed full-time and about one-quarter (26%) have a household income between $60,000 and $90,000. A strong percentage of them were born outside of Canada, with 22% identifying as newcomers to Canada. Mortgage professionals can help meet the unique needs of newcomers with the support of CMHCs homebuying information which is available in 8 different languages. The top 2 reasons first-time buyers bought a home: they wanted to get a first home and they felt financially ready. Although certain urban markets continue to exhibit high house prices and other barriers to entry, the survey found that 61% of first-time buyers bought a single-detached home. In fact, single-detached home was the top housing type purchased in all regions across Canada, except in British Columbia where condominium apartment was the most popular housing type. The vast majority (85%) of first-time buyers spent the most they could afford on their home, compared to 68% of repeat buyers. This indicates that first-time buyers, including Millennials, may be stretching themselves financially to purchase their home. When it comes to the down payment, savings from outside an RRSP was the main source for first-time buyers. This suggest there is an opportunity to further educate first-time buyers about other options to help fund their down payment, such as the Government of Canadas Home Buyers Plan (HBP). To get assistance with the mortgage process, first-time buyers contacted, on average, 2 brokers and 3 lenders. First-time buyer satisfaction levels with mortgage brokers and lenders remains high. However, mortgage professionals could further increase satisfaction levels by conducting more post-transaction follow-up and by providing clients with more information on closing costs, house purchase fees, interest rates, and steps involved in buying a home. CMHCs Step by Step guide is a valuable tool for mortgage professionals to share with homebuyers to ensure they feel confident throughout the entire homebuying process. https://www.cmhc-schl.gc.ca/en/housing-observer-online/2018-housing-observer/most-first-time-homebuyers-spending-all-they-can-afford

Student Challenge Winners Bring Innovative Ideas to Creating Affordable Rental Housing in Canada

With innovative and fresh approaches to create more affordable rental housing in the country, the Honourable Jean-Yves Duclos, Minister of Families, Children and Social Development and Minister Responsible for Canada Mortgage and Housing Corporation, announced the winners of the Innovation Fund Student Challenge. Three teams have been selected as winners earning the full award of $10,000: The Beaver York University Compact Homes: Innovative Solutions Solving the Affordability Challenge Queens University The Jetty: An Affordable Housing Cooperative Dalhousie University The Beaver York University Michael Kenny, Bria Hamilton, Allison Evans, Helen Lam, Jane Bae The Beaver Co-op is a proposed 12-story affordable rental apartment building that incorporates an innovative building technique and cost-saving measure through the use of mass timber construction in affordable housing, which is still relatively new to the sector. Passive design and green technology are incorporated to minimize waste and energy usage. The financial innovation stems from the multi-stakeholder community development approach that aims to generate financial support via community bonds, union pension funds, and credit unions. Compact Homes: Innovative Solutions Solving the Affordability Challenge Queens University Lindsay Allman, Andrew Eberhard, Gabrielle Snow, Peter Huan The Compact Homes project proposes an innovative Tiny Home Community that seeks to leverage existing programs and lands to produce single occupant, rent geared to income units, and can be constructed to meet stringent accessibility and environmental efficiency requirements. The Jetty: An Affordable Housing Cooperative Dalhousie University Juniper Littlefield, Mitch Gold, Lina El-Setouhy, Chloe Espiard The Jetty Affordable Housing project proposes a housing cooperative operated in partnership with local post-secondary institutions, targeting the student population with recycled shipping container apartments, as well as providing additional housing for seniors, singles and families. https://www.cmhc-schl.gc.ca/en/media-newsroom/news-releases/2018/student-challenge-winners-bring-innovative-ideas-creating-affordable-rental-housing-canada

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