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Mortgage Tips & Expert Advice

Stay informed with the latest mortgage news, tips, and insights from our experts.

Cash Back Mortgages in Canada: The 2026 Guide - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Cash Back Mortgages in Canada: The 2026 Guide

Everything Canadian homebuyers and renewers need to know about cash back mortgages — how monoline and bank cash back programs work, real rate comparisons, when the math favours you, and when it costs you more.

Voytek Jedrusiak Voytek Jedrusiak
Feb 14
BC First-Time Home Buyer Programs: The Complete 2026 Guide - First Time Buyers mortgage article | Best Rates Canada
First Time Buyers

BC First-Time Home Buyer Programs: The Complete 2026 Guide

Every program a first-time buyer in British Columbia can stack in 2026 — PTT exemption, FHSA, RRSP HBP, BC Home Owner Grant, and the new federal cap.

Voytek Jedrusiak Voytek Jedrusiak
Feb 13
Kelowna and the Okanagan: A 2026 Mortgage and Real Estate Guide - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Kelowna and the Okanagan: A 2026 Mortgage and Real Estate Guide

Buying in Kelowna, Vernon, Penticton, or West Kelowna in 2026 — benchmark prices, lender quirks for vacation properties, lakefront premiums, and how to qualify for an Okanagan mortgage.

Voytek Jedrusiak Voytek Jedrusiak
Feb 11
How Mortgage Calculators Work for Alberta Affordability in 2026 - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

How Mortgage Calculators Work for Alberta Affordability in 2026

What an Alberta mortgage affordability calculator actually computes — GDS/TDS ratios, stress test, property tax inputs, and the inputs that dramatically change the answer.

Voytek Jedrusiak Voytek Jedrusiak
Feb 11
Home Renovations That Actually Pay Off When You Sell - Financial Advice mortgage article | Best Rates Canada
Financial Advice

Home Renovations That Actually Pay Off When You Sell

Not every dollar you spend on renovations comes back at closing. Here's the real data on which Canadian home upgrades deliver a return — and which ones are expensive mistakes.

Voytek Jedrusiak Voytek Jedrusiak
Feb 10
Surrey Housing Market 2026: Metro Vancouver’s Affordable Hub - Market Updates mortgage article | Best Rates Canada
Market Updates

Surrey Housing Market 2026: Metro Vancouver’s Affordable Hub

Explore Surrey's dynamic real estate market in 2026. From SkyTrain-connected communities to family-friendly suburbs, discover BC's fastest-growing city.

Voytek Jedrusiak Voytek Jedrusiak
Feb 10
Private Mortgage vs B-Lender: Which Is Right for You? - Debt & Equity mortgage article | Best Rates Canada
Debt & Equity

Private Mortgage vs B-Lender: Which Is Right for You?

Understand the real differences between private mortgages and B-lender financing in Ontario — rates, qualification, speed, and when each option makes sense.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Feb 10
Millennial Homebuying: Separating the Myths From What Actually Works - Financial Advice mortgage article | Best Rates Canada
Financial Advice

Millennial Homebuying: Separating the Myths From What Actually Works

Debunking common myths about millennial homeownership in Canada. Avocado toast isn't the problem—here's what actually matters.

Voytek Jedrusiak Voytek Jedrusiak
Feb 7
Can You Get a Home Equity Loan With Bad Credit? - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Can You Get a Home Equity Loan With Bad Credit?

Yes — here's how Canadian homeowners with bruised credit can access home equity loans through B-lenders and private lenders, what to expect on rates, and how to improve your options.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Feb 7