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2 billion in Q2 2016) with 49% insured (down from 51% a year ago). For example, the U-6 unemployment rates are less encouraging. Looking in the Greater Toronto and Vancouver areas, these two portfolios continue to be characterized by higher-than-average credit scores, along with lower-than-average LTV ratios and delinquency rates, said Chief Risk Officer Mark Hughes. Note: As part of its calculations, Rate - Hub assumes monthly property taxes of $400 and monthly heating costs of $150. Find all your bookmarks by selecting your profile name. 34% of current owners are planning to spend over $500,000 on the next home. There's lots of concern from your members that in the event the government goes ahead and uses a qualifying stress test for uninsured mortgages then it could possibly really have a negative impact on the housing marketplace, says Damian Stathonikos, BCREA's Director of Communications and Public Affairs. Shelley-Ajibolade is obsessed with giving back and empowering women and she understands firsthand the significance about community involvement from volunteering at church to serving seniors, or discussing with city leaders issues facing visible minorities, how to mitigate them and volunteering to partner with these on initiatives. In Vancouver and the Greater Toronto Area, vancouver mortgage broker buyers have turned cautious, properties are sitting longer and looming regulations promise to produce mortgages harder to acquire for many.