Archive for the 'Market Insights Report' Category

The Teranet Market Insights Report is trusted by real estate professionals to share insightful analysis into the Ontario housing market — and the March 2019 edition is no exception.

The latest Market Insights Report dives into a topic that has been front of mind for many in the mortgage industry: the B-20 Guideline, or mortgage stress test, first introduced in January of 2018.

In this report, Teranet data scientists examine what impact the stress test has had in the past year. We also look at mortgage market demographics and how the mortgage share is split between Ontario banks and lenders.

View the full report here:


Real estate professionals, the Teranet Market Insights Forum on February 12, 2019 is almost full. Don’t miss your chance to attend and receive exclusive insights into the Canadian housing market.

Tuesday, February 12, 2019
8:30 a.m. to 11:30 a.m.
MaRS Discovery District
101 College Street, Toronto, Ontario


Stéfane Marion
Chief Economist and Strategist at National Bank

Stéfane Marion is Chief Economist and Strategist for National Bank of Canada and National Bank Financial, a position he has held since November 2008. Mr. Marion is a sought-after speaker on economic trends and their financial implications and is ranked among the leading economists in Canada, according to Brendan Wood International.

National Bank Financial’s Economics and Strategy team is regularly ranked among the top Canadian forecasters and has won recognition for the accuracy of its projections.

In 2012, the C.D. Howe Institute appointed Mr. Marion to its Monetary Policy Council and to the newly established Business Cycle Council. He also sits on the National Bank Pension Committee.

Mr. Marion joined NBF’s Economic Group in 1999. Previously Mr. Marion worked for several years in the federal departments of Finance and Industry in Ottawa, where, in addition to economic analysis and forecasting, he also worked on microeconomic policy impact studies. In particular, he participated in the development of forecasting models and the analysis of the FTA and NAFTA free-trade agreements with the United States and Mexico.

Mr. Marion holds a bachelor’s degree and a master’s degree in economics from the Université de Montréal.

Roger Vandomme
Chief Data Scientist at SMC

Roger’s career has been built on the fundamentals of data analysis, predictive modeling and related decision-making. With 20 years in the credit bureau industry, creating credit scores all around the world, Roger has an outstanding unmatched skill-set in the field of predictive modeling. He has completed numerous studies and research on decision heuristics and biases, developing reasoning methods and processes around systemic design and game theory.

Roger created and manages a decision science boutique, SMC, that helps companies and institutions to optimize their strategic decision-making process through the application of mathematical models, machine learning, and artificial intelligence.

Roger teaches business analytics and machine learning at University of Toronto, as well as operational planning at the Canadian Forces College.

Roger holds a master’s degree in applied mathematics from Paris University, an MBA from Queen’s University, and a Master in Defense Studies with the Royal Military College.

Mark Huttram
Director of Business Development and Marketing at Teranet

Mr. Huttram will reveal exclusive market insights and updates from Teranet.

Don’t miss this opportunity. Register for the February 12, 2019 Market Insights Forum here:


As the saying goes, knowledge is power. And nowhere is that truer than the Canadian real estate market.

With the industry becoming increasingly competitive, sales professionals need resources that keep them in-the-know. In order to stand out, you need information that empowers you to make decisions.

There are two real estate resources every sales professional should use: the Teranet-National Bank House Price Index and the Teranet Market Insights Report.

Here’s what you need to know.

  1. Teranet-National Bank House Price Index

The Teranet-National Bank HPI is an independent representation of the rate of change of Canadian single-family home prices.

The measurements are based on the property record of public land registries, where the sale price is available.

The Index is released every month and looks at 11 market across Canada: Victoria, Vancouver, Calgary, Edmonton, Winnipeg, Hamilton, Toronto, Ottawa, Montréal, Québec, and Halifax.

How it works:

The Index is estimated by tracking the observed or registered home prices over time. Properties with at least two sales are required in the calculations.

All properties that have been sold at least twice are considered in the calculation of the index; this is known as the repeat sales methodology.

Properties that are not considered include those with:

a) non-arms-length sales,
b) change of type of property, for example after renovations,
c) data error, and
d) high turnover frequency (biannual or higher).

In the repeat sales methodology, the averaging of price appreciation from different pairs of sales is done using a complex estimation process in which each pair is a separate observation.

Why you should use it:

The HPI is particularly useful because it can give an accurate portrayal of home price shifts over time. The data is derived from the property records of public land registries — so you know it is accurate and trustworthy.

Often real estate agents look at house price figures from local MLS sales information. This isn’t necessarily a bad gauge, but it’s important to consider the Teranet HPI, too. That’s because the prices Teranet uses have been agreed to up to three months before the index is released and only finished transactions are used. If a sale falls through, the MLS data won’t always be accurate, but with the Teranet HPI you know you are looking at the final numbers.

The Teranet HPI also includes all transfer data, not just sales done through the MLS. This means there’s an estimated 20% more sales included — that could look like one in five sales being excluded from MLS reports.

Again, both should be taken into consideration, but if you are looking for accuracy and trends over time, the Teranet-National Bank House Price Index is a report you won’t want to miss.

See the latest HPI:

  1. Teranet Market Insights Report

The second report you’ll want on your regular reading list is the Teranet Market Insights Report.

This release takes into account all recent trends in the Canadian real estate market — everything from house prices, to mortgage broker-lender share, to dwelling type popularity, to generational buying habits, and beyond.

Each MIR release deep dives into a different part of the housing market. For instance, the October 2018 report examined the surge in private lending, while the March 2018 report looked at the Canadian condo market.

This is a great way to stay on top of trends and patterns and then use that information in your real estate marketing.

How it works:

Analysts at Teranet watch the Canadian housing market, using data derived from provincial land registries. They synthesize that data into analysis that takes a high-level look at the current real estate market.

Why you should use it:

The Teranet MIR is one of the most comprehensive real estate reports available in the Canadian market. The data within is sourced from information you can trust. The unique position of Teranet in the real estate market means that they have a view of the industry that is difficult to parallel.

The data contained in the MIR is applicable in many ways — you can use it in your real estate marketing, business strategy, property searches, and more.

If you have any interest in following industry trends, this is the report for you.

See the latest MIR:

These resources can both be gamechangers, especially if your industry is feeling saturated. They can help you find new opportunities and look at the market in ways you may not have considered.

After reading the reports, you may want to put the information to use through your real estate tools — like GeoWarehouse, which uses the same information as the Teranet HPI and MIR.

You can access up-to-date property searches, comparable sales, demographic reports, and more.

Learn all about it today. Call 1-866-237-5937 or visit


Attention leaders in the financial and real estate industries – this is an event you will not want to miss. On February 12, 2019, Teranet is hosting our first Market Insights Forum of the year and the lineup is excellent!

Being that the housing market and real estate economy is on the top of everyone’s minds, we thought what better topic to cover and have invited amongst others, Stéfane Marion, Chief Economist and Strategist at the National Bank to speak on the subject.

Also on the agenda is Roger Vandomme, Chief Data Scientist at SMC. Predictive analytics, machine learning, and artificial intelligence can all help with strategic decision making – especially in an uncertain market. Mr. Vandomme is an expert on how to put raw data to good use for your real estate business.

You can view full event details here:

The event is almost full so if you plan to register please do so as soon as possible.

The February 12, 2019 Teranet Market Insights Forum runs from 8:30 a.m. to 11:30 a.m. at the MaRS Discover District, 101 College Street, Toronto, Ontario.


On February 12, 2019 Teranet is hosting another insightful Market Insights Forum.

While in the past this has been an invite-only event, we have decided to open up the February 2019 Market Insights Forum to senior leadership within all major financial institutions, real estate companies, associations, and partner organizations (as capacity permits).

One of the keynote speakers is Stéfane Marion, Chief Economist and Strategist at the National Bank. He will provide a look back at what happened in 2018 and a discussion on how the changing economic and regulatory conditions could impact Canada’s housing market in 2019.

Joining Mr. Marion on the speakers’ list are Roger Vandomme and Mark Huttram.

Mr. Vandomme is the Chief Data Scientist at SMC and an instructor at the University of Toronto. He is speaking about artificial intelligence and what it has to do with human decision making. In his presentation, Mr. Vandomme will define big data, machine learning, and AI, and demystify buzz words often associated with those concepts. He will discuss algorithms associated with predictive modelling and machine learning, as well as how new technical frontiers such as image and language recognition can be applied to the real estate industry.

Mr. Huttram is the Director of Business Development and Marketing at Teranet. He is revealing exclusive market insights and update from Teranet.

For a full agenda and speaker bios, please click here:

The February 12, 2019 Teranet Market Insights Forum runs from 8:30 a.m. to 11:30 a.m. at the MaRS Discover District, 101 College Street, Toronto, Ontario.

Don’t miss the opportunity to connect with peers and learn about what’s trending in our industry. Register for the February 12, 2019 Market Insights Forum here:


In 2018, York Region saw the highest percent of refinanced mortgages sourced from private lenders in the GTA.

Of the five GTA regions, York Region had 21%. The next highest was Peel Region, followed by Toronto Region, then Durham Region, and, trailing behind the pack, Halton Region.

While Halton had the lowest percentage of private refinancing mortgages out of the five GTA regions, it has seen the fastest growth with private financing up 64% in 2018 over 2016 volumes.

Overall growth of refinanced mortgages from private lenders has been on the rise in all five GTA regions between 2016 and 2018.

See more of the latest real estate trends in the October 2018 Teranet Market Insights Report.

Get your copy here: wp-content/uploads/2018/10/Market-Insight-Report_Oct-2.pdf  


When looking at demographic trends for private mortgages over the last two and a half years, Generation X (39 – 53 years old in 2018) has remained the largest group of consumers who turn to private lenders.

42% of all private mortgage transactions and 43% of the all private mortgage funds are provided to Gen X.

In comparison to the market as a whole, Gen X represents 43% of all mortgage transactions and 48% of all mortgage value.

Want more demographic real estate data? Download the October 2018 Teranet Market Insights Report. Get your copy here:



The latest Teranet Market Insights Report #MIR is hot off the presses.

In this issue we take a deep dive into the recent surge in private mortgage lending in the GTA. We hope you enjoy!

Click here to download now.

October 21, 2015

Being that ViMO is our little brother we thought it prudent to dedicate this week’s blog content to a fantastic new feature that the ViMO team at Teranet rolled out this past month.

As you likely already know, ViMO is a mobile app for real estate that real estate sales professionals use to market listings, collaborate and manage relationships with prospects, clients and partners, administer documents, research properties – and oh, did we mention… market to customers??

Your marketing is your bread and butter and we know it, which is why the developers continually add and develop new ViMO features.

Introducing the Market Intelligence Report!!

Using the Market Intelligence Report you can create customized reports about industry news and neighbourhood sales activities that you can market to:

  • Prospects – generate leads
  • Clients – nurture leads
  • Partners/Colleagues/Referral Sources – generate new relationships!


Only GeoWarehouse customers can register for ViMO – Visit to learn more about the Market Insights Report or about the full capabilities offered by the full ViMO mobile app for real estate.



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