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

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

Mortgage demand plummets as rates lurch toward 7%

Rate pressures bite mortgage shoppers, pushing appetite lower

Mortgage demand plummets as rates lurch toward 7%

Trouble ahead for mortgage rates? Bond yields hit 19-year high

Treasury yields climbed overnight, potentially pushing mortgage rates even closer to 7%

Trouble ahead for mortgage rates? Bond yields hit 19-year high

Trump to Fed: Slash rates or I’ll cut off some trade

President threatens to end trade with countries holding US trade surpluses

Trump to Fed: Slash rates or I’ll cut off some trade

Mortgage rates, not the trade war, are top of mind for Rochester homebuyers

Climbing mortgage rates could push some buyers to the sideline, but the new trade dispute is barely featuring in client conversations

Mortgage rates, not the trade war, are top of mind for Rochester homebuyers

Condo rule adjustments: A gamechanger for the Florida market?

Fannie-Freddie changes are presenting challenges, but a prominent mortgage VP says the industry and borrowers will eventually adapt

Condo rule adjustments: A gamechanger for the Florida market?

US housing costs could climb again in a trade war

New tariffs and Canadian countermeasures are ‘going to raise the cost of production for everyone’ including consumers, says wood market expert

US housing costs could climb again in a trade war

How brokers and borrowers can rethink the refinance and rate conversations

Debt restructuring and equity strategies are increasingly top of mind

How brokers and borrowers can rethink the refinance and rate conversations

How brokers can navigate a challenging appraisal outlook

Here’s what to know about handling markets that are a shift in values

How brokers can navigate a challenging appraisal outlook

The national housing market is struggling – but some pockets are thriving

While the national outlook remains subdued, certain metro areas continue to post growth

The national housing market is struggling – but some pockets are thriving