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Mortgage Tips & Expert Advice

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

Down Payment in Alberta: How Much Do You Really Need? - First Time Buyers mortgage article | Best Rates Canada
First Time Buyers

Down Payment in Alberta: How Much Do You Really Need?

Complete guide to down payment requirements in Alberta, including FHSA, gifted funds, and strategies for first-time buyers in Calgary and Edmonton.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Feb 6
Home Equity Loan Rates in Canada: What to Expect - Market Updates mortgage article | Best Rates Canada
Market Updates

Home Equity Loan Rates in Canada: What to Expect

Current home equity loan rates in Canada by lender type, plus factors that affect your rate and strategies to get the lowest rate possible.

Voytek Jedrusiak Voytek Jedrusiak
Feb 5
Private Mortgage Rates in Ontario: What to Expect in 2026 - Market Updates mortgage article | Best Rates Canada
Market Updates

Private Mortgage Rates in Ontario: What to Expect in 2026

Current private mortgage rates in Ontario range from 8% to 15%. Learn what drives your rate, how fees add up, and how to negotiate better terms.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Feb 5
Buying Pre-Construction in Canada: What Your Mortgage Broker Wants You to Know - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Buying Pre-Construction in Canada: What Your Mortgage Broker Wants You to Know

Pre-construction purchases have unique mortgage risks. Deposit structures, assignment clauses, and financing pitfalls every buyer should understand.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Feb 5
Your Car Payment Could Be Worth $390,000 — Here’s the Math - Financial Advice mortgage article | Best Rates Canada
Financial Advice

Your Car Payment Could Be Worth $390,000 — Here’s the Math

What happens when you invest your car payment instead of financing a new vehicle? A side-by-side comparison using real Canadian numbers and the TFSA.

Voytek Jedrusiak Voytek Jedrusiak
Feb 5
Breaking Your Mortgage in Alberta: Understanding Prepayment Penalties - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Breaking Your Mortgage in Alberta: Understanding Prepayment Penalties

Learn how mortgage penalties are calculated in Alberta and strategies to minimize costs when breaking your mortgage early.

Voytek Jedrusiak Voytek Jedrusiak
Feb 3
Brampton Housing Market 2026: Space and Value in the GTA - Market Updates mortgage article | Best Rates Canada
Market Updates

Brampton Housing Market 2026: Space and Value in the GTA

Discover why Brampton offers some of the best value in the GTA in 2026. Explore family-friendly neighbourhoods, infrastructure improvements, and mortgage strategies.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Feb 3
Divorce and Mortgage Options in Alberta: 2026 Guide - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Divorce and Mortgage Options in Alberta: 2026 Guide

How Alberta couples can divide the matrimonial home in 2026 — spousal buyout refinance, sell-and-split, deferred buyouts, and lender requirements.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Feb 2
Smart Ways to Use a Home Equity Loan in 2026 (And Three Ways That Will Hurt You) - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Smart Ways to Use a Home Equity Loan in 2026 (And Three Ways That Will Hurt You)

Home equity is leverage. Used well, it builds wealth. Used badly, it hands the bank your retirement.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Feb 1