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

Mortgage rates are finally falling – albeit slowly

Borrowers have seen some relief in recent weeks, even if rates remain stubbornly higher than 7%

Mortgage rates are finally falling – albeit slowly

‘Cautious optimism’ prevails in volatile rate environment

Senior LO highlights the bright side for buyers and welcomes a drop in mortgage rates at last

‘Cautious optimism’ prevails in volatile rate environment

Democrats could weaponize Fannie and Freddie in future, says Ackman

Hedge fund manager urges Trump administration to end conservatorship of the mortgage giants by the end of 2027

Democrats could weaponize Fannie and Freddie in future, says Ackman

Why loan originators who love the job should ride out the tough market

A veteran Pennsylvania mortgage professional with nearly 20 years of experience explains why passion outlasts any rate turbulence

Why loan originators who love the job should ride out the tough market

Rate volatility keeps commercial real estate deals frozen in 2026

Commercial lending exec says the 10-year Treasury surge has made it almost impossible for assets to trade

Rate volatility keeps commercial real estate deals frozen in 2026

Latest inflation surprise could spur Fed hike and keep mortgage costs high

Find out what a new jump in the consumer price index means for the mortgage market

Latest inflation surprise could spur Fed hike and keep mortgage costs high

Could the data center boom actually be a bubble?

Investment is flooding into AI infrastructure, but one commercial lending executive sees potential trouble ahead

Could the data center boom actually be a bubble?

How brokers can survive and thrive in a brutal market

Now is not the time for panic, industry veteran urges

How brokers can survive and thrive in a brutal market

Loan officer on the variables brokers can control amid rate volatility

Rates may be on the way up, but that’s only bringing the role of mortgage professionals into sharper focus

Loan officer on the variables brokers can control amid rate volatility

What the Fed’s rate hike means for mortgages

Mortgage rates have climbed in recent weeks, putting the squeeze on homebuyers and borrowers. What’s next after the Fed’s big move?

What the Fed’s rate hike means for mortgages