Fergal McAlinden

Fergal McAlinden

Canadian Mortgage Professional

Fergal McAlinden

Managing Editor, North America and UK Mortgage

10 years experience739,434 Total views on Canadian Mortgage Professional in 2025

Fergal's specialty topics

Housing and mortgage market analysis Mortgage and borrowing trends Central bank policy Lender and rate updates

Fergal McAlinden is managing editor at Canadian Mortgage Professional, Mortgage Professional America, and Mortgage Introducer, where he leads coverage of the Canadian, US, and UK mortgage and housing markets. With more than a decade of professional journalism experience, Fergal has reported on interest rate cycles, regulatory shifts, market trends, and housing affordability challenges across North America and the United Kingdom.

Since joining the company in 2021, he has interviewed hundreds of senior industry figures — including lenders, brokers, economists, and policymakers — and his work has been cited as a trusted source of insight across the mortgage sector. Prior to his current role, Fergal worked as a reporter for a B2B trade publication in Toronto. He is a graduate of the University of Oxford and holds a First-Class Honours degree in Journalism.

How I think about writing for this industry…

“In an unpredictable economy and interest rate environment, the most important thing to me about covering the housing and mortgage markets is keeping a close focus on what the main stakeholders need to know: What's in store for interest rates, how consumer sentiment is impacting the housing outlook, and what the main factors are that could impact the market looking ahead.”

Also published by

The Guardian · InvestmentNews · Insurance Business Canada · Mortgage Professional America · Mortgage Introducer

Featured content from Fergal

Forget rent-to-own condos – what’s really needed to improve housing affordability? What's next for Canada's housing market? ‘Its own little beast': why Toronto's condo market is still struggling

Previous experience

  • Key Media — News Editor, Canada
  • LogiMonde Media — Journalist

Education

  • BA Modern History & Politics, University of Oxford
  • MA Journalism, Dublin City University

Read the latest stories by Fergal

Return-to-office trend poses new challenges for Canadian homebuyers

Lenders expect clarity on a borrower’s arrangement with their employer as companies ramp up expectations for in-office work

Return-to-office trend poses new challenges for Canadian homebuyers

As hopes of a Canada-US deal rise, here’s what’s at stake for housing

Positive remarks by Prime Minister Carney and President Trump have fuelled talk of a deal, potentially brightening the mortgage outlook

As hopes of a Canada-US deal rise, here’s what’s at stake for housing

The BoC isn’t expecting the housing market to heat up anytime soon

Central bank sees a sluggish outlook continuing – and BMO managing director says less focus on housing wouldn’t necessarily be a bad thing

The BoC isn’t expecting the housing market to heat up anytime soon

How rising rates could impact Canada’s mortgage market outlook

What higher borrowing costs could mean for homebuying and the renewal wave

How rising rates could impact Canada’s mortgage market outlook

The big question: How many more BoC rate hikes are ahead?

The central bank delivered a 25-basis-point increase on Wednesday, and it may not be done yet

The big question: How many more BoC rate hikes are ahead?

BoC hikes rates for the first time in over three years

Central bank moves rates higher as inflation fears rise

BoC hikes rates for the first time in over three years

Mortgage market ‘still recovering’ from BoC’s COVID rate cuts, says lender president

The mortgage industry could be facing a much different environment if the central bank hadn’t decided to slash rates to record lows in 2020, says MIC executive

Mortgage market ‘still recovering’ from BoC’s COVID rate cuts, says lender president

CMHC sees Ontario mortgage arrears worsening well into 2027

National risk remains contained, but the national housing agency doesn’t expect Ontario delinquencies to moderate until the middle of next year

CMHC sees Ontario mortgage arrears worsening well into 2027

Some Canadian homebuyers tune out tariff noise as trade war rumbles on

Ottawa broker says many clients are pushing ahead despite tariff uncertainty

Some Canadian homebuyers tune out tariff noise as trade war rumbles on

BoC preview: What to expect from Wednesday's huge decision

Central bank gears up for a massive call with experts split on its next move

BoC preview: What to expect from Wednesday's huge decision