The Pre-Con Condo Crisis: Banks Are Lending at Prices That Don't Exist
Pre-construction condos are worth 25% less than what buyers paid. Banks are lending at the original price anyway — because they funded the developers. Here's the data.
Feb 10, 202641.5 Million People, 21 Million Workers: Where Canadians Work and How It Affects Mortgages
A data-driven breakdown of Canada's 41.5 million population: who's working, which industries employ the most people, how the public sector grew to 21.5% of the workforce, and what it all means for mortgage arrears, debt loads, and borrower risk.
Feb 10, 2026You Already Know Which Tier. The Time Sink Is Everything After That.
Brokers don't need help choosing A, B, or Private. They need help comparing 30+ products, running the math, and finding the lowest-cost placement inside the right tier. Here's what that looks like on a real deal -- and how four different types of brokers are solving it.
Feb 9, 2026The Delinquency Gap: What CMHC's Headline Rate Doesn't Tell You
CMHC reports 0.22% mortgage delinquency. MIE private lenders are at 11x that. The gap between headline and reality is widening — and it changes how brokers should think about risk. Live charts, updated quarterly.
Feb 9, 2026The Renewal Wall: 1.8 Million Canadian Residential Mortgages by Lender Tier
1.8 million Canadian residential mortgages are renewing into higher rates through 2026. This page breaks down the data by lender tier — A, B, and private — with live charts from the Bank of Canada, CMHC, StatsCan, and FSRA.
Feb 6, 2026Welcome to bips
Introducing bips — AI-powered lender matching for Canadian mortgage brokers.