Stay informed with the latest mortgage news, tips, and insights from our experts.
The complete 2026 guide to the Canadian mortgage stress test: history, current formula, every exception, real-dollar buying-power impact, and how brokers and credit unions can help when you fail.
Understanding mortgage default insurance, when it's required, and how it affects your home purchase.
Understanding the differences between working with a bank directly and using a mortgage broker.
Understanding the difference between co-signers and guarantors, and when each makes sense.
The Canadian mortgage stress test in plain English: the 2026 qualifying rate formula, what it does to your buying power, and the late-2024 renewal rule that finally lets you switch lenders without re-qualifying.
Budget properly for your home purchase by understanding all the closing costs you'll encounter.
How to finance a second home or cottage in Canada in 2026: down payment requirements, insured vs uninsured rules, seasonal access caveats, and the difference between a vacation home and a rental.
Mortgage options when separating in Canada in 2026: the federal Spousal Buyout Program, refinancing one spouse out, and the tax/credit implications you need to know before you sign anything.
Mortgage and title fraud is rising in Canada. Here are the 2026 scams every homeowner and buyer should know — title theft, wire-transfer redirection, subject-to scams — and the practical steps that prevent them.
Pick a time that works best for you
