BOC Rate Hike Update


On October 24th, the Bank of Canada announced a benchmark interest rate hike by a quarter of a percent to 1.75%.

They believe that the economic outlook remains solid, with the newly created US-Mexico-Canada Agreement in place instilling confidence in investors. In their latest policy statement, the BOC says that “the Canadian economy continues to operate close to its potential and the composition of growth is more balanced”.
Click HERE For the Full Press Coverage

Annual Conference Announcement

Meet the Speakers

The Voice – October 18, 2018


2019 Keynote Speaker

Tony Chapman

Moderator, Media Personality, Marketing Hall of Fame Legend

Delivering the 2019 Keynote Address is Tony Chapman! In a society that is consistently distracted by the screens in their hands, Tony will discuss how to side step these disruptions and get your message out to the masses. He believes that the most effective way to sell something, is to tell an attention worthy story. Through his keynote, he will take us on a journey showing us ways of how to distinguish ourselves among the masses by telling a story that speaks to your customer.

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FSRA Update & CMBA Symposium Changes

FSRA New Fee Rules & Request for Comment

The Voice – October 10, 2018

FSRA Ontario is gearing up to be up and running for April 1, 2019. Being the new entity in Ontario’s Financial Regulation sector, they sought consultation in the creation of rules to be set forth for their launch.
During the month of September, CMBA and other industry members were invited to meet with FSRA for consultations on proposed Fee Rules for the mortgage industry. Our goal in these consultations were to be the voice of our members, and to provide constructive feedback on their proposed rules and licensing cycle.
FSRA has posted a Notice and Request for Comment on these proposed rules. The deadline for comment submissions is January 4th 2019. CMBA Ontario will continue to monitor the process and continue to send updates.

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B-20 and It’s Effects on the Mortgage Industry

B-20 and It’s Effects on the Mortgage Industry

The Voice – October 4, 2018

Back in 2013, the B-20 rules as underwriting guidelines for residential mortgages came into effect. The rules were put in place as a direct response to the financial issues in the United States caused by “poor mortgage lending practices” (
Now, 5 years after these rules have come into effect, Canada’s housing market is said to be facing affordability issues. It is widely believed that it is become increasingly more difficult for first time home buyers to purchase a property. To deal with the affordability issues and the stress test, some young people are borrowing from parents to help with a down payment.

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Upcoming Events!

The BEST Industry Events

The Voice – September 27, 2018

CMBA Ontario is committed to providing symposiums, events and conferences that benefit our members. We have a great line up of Symposiums and Events coming up, so don’t miss out and register today!

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FSRA Update & Upcoming Events

FSRA Fee Rule Update

The Voice – September 20, 108

On Wednesday, September 5th representatives from CMBA Ontario attended a follow up consultation session with the FSRA (Financial Services Regulatory Authority)Board of Directors.
At this meeting, CMBA Ontario provided a joint presentation providing the FSRA Board with background industry information. They will be taking this information into consideration when building the new fee structure. Click here to learn more about FSRA’s announcement on the creation of the Ad Hoc Fee Rule Industry Advisory Groups and the new Fee Rules.
CMBA Ontario will continue to have an open dialogue with issues such as this, and keep you updated.

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Marketing to Millennials

Millennials: How to Target These First Time Homebuyers

The Voice – September 13, 2018

It has become a well known fact that a large cohort of first time homebuyers belong to a generation known as: Millennials.
This group has been stereotyped as being fickle, frugal, impatient, self indulgent and require instant gratification. With these traits at the centre of attention, it is understandable that many of the positive traits that they possess can actually help you tap into the millennial market. These people are also: highly educated, technology savvy, conscious & global citizens, and confident to name a few.
Their confidence comes from taking the time to research something before they purchase it– and home buying is no exception. Because they do their research, they are aware of what is happening in today’s housing market which can leave them feeling jaded.
So how do small business owners attract the attention of millennials who have the means to purchase a home, are educated in the housing market and are picky? provides 4 suggestions on how to reach this audience:

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FSRA’s Proposed Licence Fee Rules

FSRA’s Proposed Licence Fee Rules

The Voice- August 30, 2018

On Monday, August 27th representatives from CMBA-Ontario attended an invitation-only consultation session with FSRA (Financial Services Regulatory Authority). FSRA has created Ad Hoc Industry Advisory Groups to provide them with industry insight and information.
These groups liaise directly with FSRA management and the Board of Directors.
Click here to learn more about FSRA’s announcement on the creation of the Ad Hoc Fee Rule Industry Advisory Groups.
Some Key Highlights

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Winterfest 2018

Where would you like to go in 2019?

What are your preferred travel dates?

What is your price point?

What sort of content would you like to see in the business session?

Send your ideas and preferences to

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