Fergal McAlinden

Fergal McAlinden

Mortgage Professional America

Fergal McAlinden

Managing Editor - North America and UK Mortgage

10 years experience204,709 Total views on Mortgage Professional America 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 · Canadian Mortgage Professional · Mortgage Introducer

Featured content from Fergal

Latest Fed decision gives no clarity on where mortgage rates are headed How the AI boom is turbocharging San Francisco’s housing market Why the latest Iran chaos likely won’t derail the US housing market

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

Why rate cuts are just part of the current client conversation

As rate-cut hopes fade, a top LO says the real discussion with buyers has moved on to buydowns, budgets, and building in flexibility

Why rate cuts are just part of the current client conversation

Inside the non-QM market’s shift from fallback to mainstream product

Executive explains why more brokers are adding non-QM to their toolkit as affordability pressures shift the market

Inside the non-QM market’s shift from fallback to mainstream product

Latest Fed decision gives no clarity on where mortgage rates are headed

Brokers are taking a calm approach, but mortgage market watchers are still in the dark on the rate path ahead

Latest Fed decision gives no clarity on where mortgage rates are headed

Fed decision reaction: What’s next for the mortgage market?

The central bank’s latest decision arrives with plenty of uncertainty still hovering over the housing outlook

Fed decision reaction: What’s next for the mortgage market?

How the AI boom is turbocharging San Francisco’s housing market

Median home prices climb and inventory tightens as high-earning tech buyers fuel activity across the Bay Area

How the AI boom is turbocharging San Francisco’s housing market

Rates and home prices are climbing – but are buyers pushing ahead regardless?

Open Door Lending LO says affordability, not rate hopes, is now driving purchase decisions

Rates and home prices are climbing – but are buyers pushing ahead regardless?

Why rate swings simply don’t matter much to many US homebuyers

A Philadelphia broker says life circumstances rather than rate timing keep spring and summer the busiest homebuying months

Why rate swings simply don’t matter much to many US homebuyers

Condo associations could face sink-or-swim moment under new lending rules

Failing a single Fannie Mae or Freddie Mac criterion could freeze financing for an entire condo association, lender warns

Condo associations could face sink-or-swim moment under new lending rules

Why the latest Iran chaos likely won’t derail the US housing market

While the market is facing fresh uncertainty after the ceasefire’s collapse, a top mortgage lender says the fundamentals still favor buyers who can act

Why the latest Iran chaos likely won’t derail the US housing market

Here we go again: Treasury yields jump as Trump says Iran ceasefire ‘over’

Market could be about to face another spell of uncertainty as Iran truce crumbles

Here we go again: Treasury yields jump as Trump says Iran ceasefire ‘over’