Serca Financial Mortgage Group transforms the way individuals and families achieve their real estate aspirations and financial goals. We are committed to transforming the lives of our clients by providing unparalleled mortgage brokerage services, guided by innovation, integrity, and expertise.
Our teams are equipped to support the growth of our real estate partners' enterprises by offering more financing options to their clients, collaborate seamlessly with real estate developers to ensure efficient and hassle-free closings, and cater to those seeking a more personalized and tailored service, complete with access to multiple lenders, the potential for more favorable rates, and guidance during challenging circumstances.
We believe that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. We're here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.
We can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed.
Since our business is built primarily through referrals from satisfied customers, your positive mortgage experience is essential! Your mortgage is a big decision and a powerful financial tool. At Serca Financial Mortgage Group, our vision is to be everyone's number one choice for every real estate dream & financial aspiration. We aim to be the trusted partner on your journey, and together, we'll unlock the doors to true real estate wealth & financial goals, one mortgage at a time. Connect with us today to do a complimentary application, see what we can do for you now, or create a plan for you for your future real estate & mortgage needs.
CMHC: Unlocking housing supply: Why scale really matters
Canada can look to international examples where consolidating and scaling the housing system have helped sustain housing supply and affordability.
According to a 2016 McKinsey report, the construction industry remains one of the least digitized sectors. Out of 22 industries reviewed, construction ranked second to last just ahead ofhunting and agriculture. Nearly a decade later, little progress has been made in how we build homes.
Canadas housing sector feels stuck in an everlasting hunting-gathering era, resisting modernization. A large part of the solution to digitize our housing industry lies in scaling up to generate sufficient financial, human and technological resources to innovate.
Canada can learn from the Netherlands, which has achieved scale in the housing sector, including with not-for-profit affordable housing providers.
In 2024, Canada had 40,349 businesses that employed workers in the residential construction industry. Of these, only 6 businesses had more than 500 employees. The majority (69.5%) were micro businesses with just 1 to 4 employees.
The same trend applies to the real estate lease management industry. While specific data for residential leasing is not available through the Canadian Industry Statistics, broader data for the real estate leasing and management sector tell a clear story: Of the 30,099 businesses that employ workers, 81.4% had less than 5 employees. By comparison, 59.2% of businesses across the entire economy fall into the micro-business category.
https://www.cmhc-schl.gc.ca/observer/2025/unlocking-housing-supply-why-scale-really-matters
CMHC: How common is “Missing Middle” housing development in Canada?
Highlights
Missing Middle is a broad term for gentle- to-medium-density housing types such as accessory suites, multiplexes, row homes, stacked townhouses and low-rise apartments. These housing types are often underrepresented in new supply.
Missing Middle housing starts across Canadas 6 major cities (Vancouver, Edmonton, Calgary, Toronto, Ottawa and Montral) increased by an average of 5% per year between 2018 and 2023. This was followed by an exceptional 44% surge between 2023 and 2024.
Edmonton and Calgary lead the way in Missing Middle housing starts, supported by a lower regulatory burden, abundant land availability and favourable policy environments. Meanwhile, Toronto and Vancouver lag where denser forms of housing have historically been more feasible.
The prevalence, type and location of new Missing Middle housing construction projects vary widely across cities. Factors such as land costs, developer expertise and evolving local policies play a key role.
This report shares insights into the creation of Missing Middle housing options since 2018 in Canadas 6 major cities: Vancouver, Edmonton, Calgary, Toronto, Ottawa and Montral.
Missing Middle housing is important as it provides a layer of supply that can be delivered within existing neighbourhoods. It can often be faster to develop especially when rezoning isnt needed and requires less capital investment than larger projects. It broadens housing choices for families who cant afford single-detached homes and find high-rise apartments do not offer enough space for their needs.
Stakeholders, particularly policymakers at the municipal government level, working to encourage this kind of development, can benefit from understanding its prevalence in their communities. They can also gain insights into what built form it takes, its location and the reasons behind regional differences.
https://www.cmhc-schl.gc.ca/observer/2025/how-common-missing-middle-housing-development-canada
Bank of Canada: Monetary Policy Report—October 2025
The Canadian economy is adjusting to steep US tariffs on several industries and coping with elevated uncertainty. Tariffs have led to a fall in the demand for Canadian goods, affecting the broader economy. The reconfiguration of global trade and domestic production is also leading to higher costs. Total inflation has been around 2%, while underlying inflation has continued to be about 2%.
With US tariffs and limited Canadian counter-tariffs in place, the effects of the trade conflict on growth and inflation in Canada are becoming clearer. Exports to the United States have fallen, and business investment has declined. The structural shift in the Canada-US trade relationship has put the economy on a lower path. At the same time, the reconfiguration of global trade and the restructuring of the Canadian economy are adding costs and putting upward pressure on inflation.
Considerable uncertainty remains around US tariffs and how changes to global trade relationships will affect economic growth and consumer prices in Canada. This uncertainty includes the review of the Canada-United States-Mexico Agreement.
How other major structural changessuch as shifting demographics and the adoption of artificial intelligencewill affect the Canadian economy is also unclear. The effects of these developments on output and inflation will play out over many years.
Monetary policy cannot offset the long-term implications of US tariffs or other sources of structural change. The primary focus of monetary policy is to maintain low and stable inflation.
https://www.bankofcanada.ca/publications/mpr/mpr-2025-10-29/overview/
