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September Real Estate Report: Positive Changes to Canadian Lending Rules

September Real Estate Report: Positive Changes to Canadian Lending Rules

Great news for homebuyers! The federal government has introduced two key measures that could make a big difference, especially in higher-priced housing markets. Here’s how these changes can benefit you:

  1. CMHC Insured Mortgage Cap Raised to $1.5M
    The CMHC-insured mortgage limit has been increased from $1 million to $1.5 million. This change allows buyers in more expensive markets greater access to financing, opening up a wider range of property options. If you’ve felt restricted by mortgage limits, this adjustment could help you get into your dream home.

  2. 30-Year Amortization for First-Time Buyers
    First-time buyers now have access to 30-year amortizations, helping to reduce monthly mortgage payments and making homeownership more manageable. Spreading payments over a longer period provides financial flexibility, making it easier for many to step into the real estate market.

We’re Here to Help!
At Kim Rollins Real Estate, we not only guide you through the buying process, but we also connect you with the right professionals—mortgage brokers, inspectors, and legal experts—to ensure everything goes smoothly. Our team works closely with you, making sure you have all the right support in place from start to finish.

Curious how these changes can help you? Reach out today and let’s explore the opportunities!

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MLS® property information is provided under copyright© by the Vancouver Island Real Estate Board and Victoria Real Estate Board. The information is from sources deemed reliable, but should not be relied upon without independent verification.