{"id":13990,"date":"2017-08-25T01:00:27","date_gmt":"2017-08-25T05:00:27","guid":{"rendered":"http:\/\/www.zoocasa.com\/blog\/?p=13990"},"modified":"2017-08-24T16:39:41","modified_gmt":"2017-08-24T20:39:41","slug":"tougher-rules-for-your-agent-weekly-real-estate-news-recap","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/tougher-rules-for-your-agent-weekly-real-estate-news-recap\/","title":{"rendered":"Tougher Rules for Your Real Estate Agent, a Mortgage Slowdown, and a Fighter Turned Realtor: Weekly Real Estate News Recap"},"content":{"rendered":"

Slower Market Leads to Fewer, Pricier, Mortgages<\/h2>\n

The pace of new mortgages in Canada slowed between April and June of 2017 finds TransUnion<\/a>, as higher prices and fewer sales in the real estate market impact borrowers.<\/p>\n

\u201cRecent new regulations in Ontario appear to have had an impact on the volume of home sales and, consequently, mortgage demand,\u201d says Matt Fabian, director of research and industry analysis at the credit rating agency. \u201cSo while the number of mortgages is increasing, it is doing so at a slower pace than last year.\u201d<\/p>\n

The report, which is issued quarterly and compiles data from TransUnion\u2019s nation-wide credit file database, also finds that mortgages are getting more expensive and borrowers are owing more, in relation to rising home prices. The average mortgage holder owes a balance of $198,781, a 5-per-cent increase from last year.<\/p>\n

\u201cHome values continue to rise compared to the previous year, pushing overall mortgage debt levels up. However, we did observe an easing of this trend in the second quarter from the previous quarter,\u201d says Fabian, referring to softer summer prices as a result of the Ontario Fair Housing Plan.<\/p>\n

However, while Canadians may be taking on larger mortgages, they\u2019re effectively paying them off, as serious delinquency levels \u2013 mortgages left unpaid for 60 days or more \u2013 dropped four basis points, to 0.56 per cent.<\/p>\n

\u201cConsumers have so far been able to manage their mortgage obligations despite the increase balance levels,\u201d Fabian adds.<\/p>\n

Vancouver Real Estate Hurting Local Film Industry<\/h2>\n

Historic homes and properties often used for film and TV locations are becoming a scarcity in Vancouver as rampant development tears them down for condos \u2013 and it\u2019s posing a challenge for local film companies trying to shoot in the city, reports the Globe and Mail.<\/a><\/em><\/p>\n

Detached character homes, which resemble the aesthetic of American architecture, are increasingly hard to find, especially in the groups needed for neighbourhood shots. However, it\u2019s Vancouver\u2019s empty homes epidemic \u2013 fueled by domestic and foreign speculation – that further exacerbates the issue.<\/p>\n

\u201cWhat I find most, I think, frustrating, is just empty homes. It\u2019s hard to track down who owns them,\u201d says Vancouver location manager Mary Jo Beirnes to the Globe\u2019s<\/em> Kerry Gold, adding that it\u2019s a lost economic opportunity. \u201cWe often use a location awaiting redevelopment, maybe a ship yard or saw mill that is now defunct\u2026 that\u2019s a great opportunity for the film industry to step in, and create an economic opportunity where it didn\u2019t exist before. But when we see empty homes, we want to create a win-win situation, where at least some economic input can be reached.\u201d<\/p>\n

Related Read: Rent Our Your Home or Pay $10,000 per Day Says Vancouver Mayor<\/a><\/strong><\/p>\n

B.C. Realtors Warn Against More Mortgage Rules<\/h2>\n

The British Columbia Real Estate Association (BCREA) is warning the federal government that further tinkering with mortgage qualification rules could have severe consequences for already strapped home buyers.<\/p>\n

In a letter to the Office of the Superintendent of Financial Institutions<\/a> (OSFI), BCREA CEO Robert Laing said the fed\u2019s B-20 proposal \u2013 which will require all mortgage borrowers to undergo a \u201cstress test\u201d and qualify at a rate of 4.84 per cent \u2013 will put too much pressure on a market that is already acclimatizing to considerable change. Currently, only borrowers paying less than 20 per cent down on their homes must qualify at the stress test rate.<\/p>\n

\u201cIntroducing additional tightening measures while the housing market is still absorbing numerous changes over the last several years puts affordability at risk, could imbalance local markets across the country and has the potential to negatively impact the Canadian economy,\u201d he writes.<\/p>\n

\u201cHomeownership is a key contributor to the country\u2019s GDP and overall economic health. It also provides stability to communities and neighbourhoods and remains a cornerstone of many Canadians\u2019 investment goals, allowing individuals and families to invest in an asset that can grow in value and generate financial security for their retirement.\u201d<\/p>\n

He adds that creating policies based on Canada\u2019s two largest markets doesn\u2019t accurately reflect conditions in the rest of the country, and that recent Bank of Canada hike will put even more pressure on buyers. BCREA\u2019s formal recommendation is that the government \u201crefrain from fundamental changes to the national housing system at a time of rising interest rates.\u201d<\/p>\n

<\/h2>\n

Calgary Office Buildings Become Condos Under\u00a0New Bylaw<\/h2>\n

In downtown Calgary, a city ravaged by the downturn in oil prices, there\u2019s plenty of premium office space standing empty \u2013 in fact, commercial real estate in the core has a vacancy of a whopping 25 per cent. However, one developer is turning that empty space into bustling multi-family residential housing, thanks to a new bylaw.<\/p>\n

Passed in June, it mandates that developers need only have a building permit, rather than a development permit, to repurpose space for residential purposes. Artis, one of the largest real estate investment trusts in Canada, is kicking things off with Sierra Place \u2013 formerly a 10-storey office building, it will be turned into 100 apartments, conveniently located near dining, retail and transit. A parcel of unused commercial land by Stampede Station is also on the commercial-to-condo makeover list.<\/p>\n

Tougher Proposed Rules For Your Real Estate Agent<\/h2>\n

When the Ontario government unveiled its Fair Housing Plan in April, part of the measures included a review and rewrite of the code of ethics and rules that govern real estate professionals in the province. Now, the Ontario Real Estate Association is weighing in, releasing a list of proposals<\/a> from its REBBA (Real Estate and Brokers Business Act) Task Force.<\/p>\n

Among its recommendations is a call for harsher penalties, doubling the maximum fine to $50,000 for realtors who breach REBBA, and up to $100,000 for brokers. This is key as the Real Estate Council of Ontario (RECO) has been criticized in the past for being toothless regarding fining and disciplinary measures.<\/p>\n

It also calls to empower RECO to order realtors who breach REBBA to pay back all or part of their profits from the deal in question (called disgorgement), subject the organization\u2019s revenue to Auditor General of Ontario audits, implement an Ombudsman, and make it more transparent to freedom of information requests.<\/p>\n

OREA is currently \u201cre-inventing\u201d itself as an industry watchdog after being stripped by RECO earlier this year of its status as education provider \u2013 as of July 2019, all realtor training will be provided instead by Humber College Institute of Technology and Advanced Learning, in partnership with NIIT Canada.<\/p>\n

Rate\u00a0Hike Hitting Canadians in the Wallet<\/h2>\n

The Bank of Canada, which sets the tone of borrowing affordability, mandated higher interest rates in July<\/a>, hiking its own trend-setting rate from 0.5 per cent to 0.75. This had a direct impact on the Prime rate offered by consumer lenders, which has trickled down to mortgage and LoC borrowers with\u00a0higher monthly payments \u2013 and it\u2019s hitting a third of Canadians where it hurts.<\/p>\n

A recent poll conducted by Forum Research of 1,150 Canadians finds 34 per cent feel the higher Prime rate is negatively affecting their finances while 22 per cent say it will have at least a somewhat negative effect, and 12 per cent say it will have an extremely negative effect. The poll also asked whether respondents felt Canada in general has become a more expensive country to live in over the past three years.<\/p>\n

Says Forum Research President Dr. Lorne Bozinoff, \u201cAlmost three quarters think Canada has become more expensive over the last three years, and with more than a third thinking the interest rate hike by the Bank of Canada will have a negative effect on their personal finances, and the rumours of another hike to come may only worsen these concerns.\u201d<\/p>\n

Mortgage analysts strongly feel that there will be at least one more hike from the BoC to come in 2017, and potentially several more next year as improving economic conditions pave the way to tighter monetary policy.<\/p>\n

Former Fighter Steps Out of Ring for Real Estate Career<\/h2>\n

Brian Stann, a popular American UFC commentator and former mixed martial arts fighter, has announced he\u2019s stepping away from the broadcaster\u2019s booth for a career in real estate.<\/p>\n

He made the announcement via his social media channels, stating on Instagram that he\u2019ll be attending Northwestern University in the fall for his MBA and taking on a leadership role at an upstart real estate firm.<\/p>\n

Hopefully that fighting mentality will serve him well on many a tough offer night!<\/p>\n","protected":false},"excerpt":{"rendered":"

Slower Market Leads to Fewer, Pricier, Mortgages The pace of new mortgages in Canada slowed between April and June of 2017 finds TransUnion, as higher prices and fewer sales in the real estate market impact borrowers. \u201cRecent new regulations in Ontario appear to have had an impact on the volume of home sales and, consequently, […]<\/p>\n","protected":false},"author":39,"featured_media":13992,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"footnotes":""},"categories":[33,181],"tags":[],"class_list":["post-13990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-news","category-toronto-real-estate"],"yoast_head":"\nTougher Rules for Your Real Estate Agent - Weekly News | Zoocasa<\/title>\n<meta name=\"description\" content=\"Tougher rules for your real estate agent may be on the way, as the Ontario association calls for stronger fines for those who breach the code of ethics.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zoocasa.com\/blog\/tougher-rules-for-your-agent-weekly-real-estate-news-recap\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tougher Rules for Your Real Estate Agent - 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