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October 20, 2021

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The Facts About the Mortgage Market in Canada For Prospective Homeowners

The truth about the market for mortgages that exist in Canada is that over the past forty years, it has experienced significant modifications. Depository institutions make up most of the market, holding the majority of the remaining Canadian home mortgages as of the end of 2007. As of the end of 2008, CAD 566 billion or about 62 percent of CAD 906 billion of outstanding mortgage debt for residential properties in Canada was owned in depository banks. The principal reason for the increase in the share of banks was changes made in the Bank Act changes, which allowed banks to hold trusts and loan companies which were dominating players on the market. Before 1954, banks weren’t allowed to issue mortgage loans. In the years following after the amendments to the Bank Act amendments and thereafter the law allowed banks to have to increase their share of the market as time passed. However, up to 1992, the value of conventional mortgages was only able to be less than 10% in bank deposit. Mortgage brokers play a increasing part in the marketplace. A survey on mortgage-related consumer behavior carried out by the canada mortgages and Housing Corporation in 2009 found that between June 2008 and June 2009, nearly a […] read more
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All you need to know about Zellige Tiles

Zellige tiles are handcrafted tiles made with natural clay extracted from Morocco. Due to the fact these tiles are handmade, each Zellige tile is totally unique. To find out more about how they are made read our blog entitled ‘Zellige Tiles – what are they?”.  Our new range of Zellige Tiles come in 12 gorgeous vibrant in colours including blues, greens and reds. Due to their durability and charm these tiles offer a range of options when it comes to where you can install them. There elegant shimmer means they are ideal for walls and even ceilings. These stunning tiles are perfect for large spaces such as a feature wall but they also make a deep impact in smaller spaces, just imagine a cosy fireplace dripping with lush colour. (Don’t worry they are super resilient and have the ability to protect your wall from the heat.) Choosing a colour Due to each tile being completely unique, you can choose one colour of Zellige tiles and use it to create a mosaic effect as each tile offers so much variety and personality. By using one colour in this way the rest of the room can be as plain or as elaborate as you like. […] read more
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The Wonders Of Wood Effect Tiles

The wonderful thing about wood effect tiles is that they are completely versatile and you can lay them almost anywhere. They perfectly complement pretty much every design and style making them the perfect choice. They are the obvious choice for hallways and cloakrooms as they are durable and can withstand heavy foot flow. Wood effect tiles are also commonly seen in living rooms, bedrooms, and kitchens but did you know they are also the perfect choice for your bathroom? You might be thinking wood floors and water? That’s a disaster in the waiting. But our wood effect floor tiles are actually made from porcelain which is nearly completely waterproof making them perfect for your bathroom. So all them bathroom splashes and shower leaks are no problem as they can just be mopped up in minutes. Think that’s good well it gets better… Introducing wood effect wall tiles. Yep you heard us right, a wooden wall. Looking to create that cozy log cabin look? Or maybe create a stunning feature wall? Wood effect tiles are perfect for providing a modern look with their natural feel and woodiness. Laid in herringbone pattern or chevron tile format they can give your space a touch […] read more
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