Steve Garganis
Steve Garganis, Lead mortgage planner at Mortgage Architects

Steve Garganis is a licensed mortgage broker, leader mortgage planner at Mortgage Architects and founder and editor of CanadaMortgageNews.ca.

In 1992, Steve was one of the first Mobile Mortgage Specialists at TD Bank and has since held senior management positions in two major banks. 

In 2004, he decided to focus on his passion for mortgages became a mortgage broker.

In 2009, after noticing a lack of accurate, fact-checked and helpful mortgage content available online at the time, he founded CanadaMortgageNews.ca, where he has written over 600 articles and shares useful facts, opinions and recommendations for the owners, buyers, and sellers.

Articles From Steve Garganis

Why Canadian housing seems unaffordable in 2026: A 35-year real estate disconnect

Housing affordability in Canada has worsened from 1990 to 2026 as household incomes haven’t kept pace with surging home prices.

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Mortgage expert alert: Will the Iran War and rising inflation offer a buying opportunity in 2026?

Historically, moments of extreme global panic stemming from war can create generational buying opportunities in the Canadian real estate market.

Oil tanker in strait of Hormuz with explosions on right homes for sale on left
Ask the mortgage expert: How to buy a home in 2026, between budgets, builders, and opportunities

From longer amortizations to tax breaks for first-time homebuyers, Canada's housing landscape looks a lot different in 2026.

An AI rendering of a man standing between an older home and a new build, scratching his head
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