Expert mortgage advice, rate analysis, and housing market updates for Canadian homebuyers.
The stress test requires you to qualify at your rate + 2% or 5.25%. Here's exactly how it works, what it means for your buying power, and 5 ways to qualify for more.
First-time buyers can combine the FHSA ($40K) and RRSP Home Buyers' Plan ($60K) to access up to $200K tax-free per couple. Here's how to stack both programs.
With variable rates around 3.35% and 5-year fixed at 4.89%, the spread is significant. We break down the pros, cons, and who should choose each.
Millions of Canadians are renewing in 2025–2027. Here's how to shop around, when to start, and how to negotiate a better rate than your current lender offers.
CMHC insurance is required with less than 20% down. We explain the premiums, how they're calculated, and why CMHC-insured mortgages sometimes get better rates.
Complete guide to all federal and provincial programs — FHSA, HBP, tax credits, provincial grants, and the new 2026 GST/HST rebate on new homes.
Calgary and Edmonton lead growth at 6–8%. Toronto is flat. Vancouver stabilizing. Montreal up 4%. Here's what analysts expect for the rest of 2026.
Banks offer convenience but rarely the best rates. Brokers access 30+ lenders and are free to use. Here's when to use each and what to ask.
With home prices elevated and rates above 4%, is buying still worth it? We run the actual numbers for Toronto, Calgary, Winnipeg, and Vancouver.
Compare the best mortgage rates in Ontario for 2026. Toronto, Ottawa, Hamilton and more.
Best mortgage rates in Alberta. No land transfer tax, Calgary up 7.2%, Edmonton up 5.8%.
Best mortgage rates in BC. Vancouver average $1.25M. PTT exemptions for first-time buyers.
Best mortgage rates in Quebec. Montreal average $580K. Desjardins vs national banks.
How lenders calculate affordability. GDS ratio, TDS ratio, stress test with real income examples.
5% vs 10% vs 20% down. CMHC costs. How to save faster with FHSA and RRSP HBP.
What a pre-approval is, documents needed, how long it lasts, and broker vs bank.
How much you can borrow, current rates, HELOC vs refinancing, best uses.
What lenders look for, documents needed, A-lender vs B-lender for self-employed buyers.
IRD vs 3-month interest. How to calculate your penalty and when breaking is worth it.
Compare rates in Winnipeg MB. Average home $380K. Local credit unions and first-time buyer programs.
Best mortgage rates in Toronto. Average $1.1M. Income needed, LTT, and affordability tips.
Best rates in Calgary. Average $620K up 7.2%. No LTT. ATB Financial and Servus CU.
Complete BoC rate timeline. COVID lows, 2023 peak at 5%, cutting cycle, current 2.25%.
LTT rates in every province, first-time buyer exemptions, and how to minimize closing costs.
Closed has lower rates but penalties. Open has no penalties but much higher rates.
Vancouver average $1.25M. Income needed, PTT, and smarter affordable alternatives.
Who qualifies for 30 years, how much extra interest, and when longer amortization makes sense.
How second mortgages work, rates, costs, risks, and better alternatives to consider first.