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Mortgage Tips & Expert Advice

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

How Low Will Mortgage Rates Go in Canada? Honest 2026 Outlook - Market Updates mortgage article | Best Rates Canada
Market Updates

How Low Will Mortgage Rates Go in Canada? Honest 2026 Outlook

A no-hype look at where Canadian fixed and variable mortgage rates are likely heading in 2026 — what the Bank of Canada has signalled, what bond yields are doing, and what it means for your renewal or purchase.

Voytek Jedrusiak Voytek Jedrusiak
Dec 14
Buying a Second Property While Owning Your Home (Canada 2026) - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Buying a Second Property While Owning Your Home (Canada 2026)

How Canadians qualify for and finance a second property in 2026 while keeping the first home — down payment rules, rental offset math, stress test, and the smartest financing structures.

Voytek Jedrusiak Voytek Jedrusiak
Dec 14
Mortgage Portability Explained: Move Your Mortgage Without Paying a Penalty - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Mortgage Portability Explained: Move Your Mortgage Without Paying a Penalty

How mortgage portability works in 2026, when it saves you thousands in penalties, the difference between port-and-increase vs port-and-decrease, and the traps to avoid.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Dec 11
Fixed vs Variable Mortgage in Canada: The 2026 Decision Guide - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Fixed vs Variable Mortgage in Canada: The 2026 Decision Guide

The definitive guide to choosing between fixed and variable rate mortgages in Canada's 2026 rate environment.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Dec 10
Airline Pilot Pension & Mortgage Strategy: Planning for Mandatory Retirement at 65 - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Airline Pilot Pension & Mortgage Strategy: Planning for Mandatory Retirement at 65

How airline pilot pensions (DC and DB plans) affect mortgage planning with mandatory retirement at age 65.

Voytek Jedrusiak Voytek Jedrusiak
Dec 10
Buying a Condo in Toronto 2025: Complete First-Timer’s Guide - First Time Buyers mortgage article | Best Rates Canada
First Time Buyers

Buying a Condo in Toronto 2025: Complete First-Timer’s Guide

Everything first-time buyers need to know about purchasing a condo in Toronto. Navigate the market, understand condo fees, and avoid common pitfalls.

Voytek Jedrusiak Voytek Jedrusiak
Dec 8
Mortgage Renewal Tips for 2026: The Insider Playbook - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Mortgage Renewal Tips for 2026: The Insider Playbook

Most homeowners renew on autopilot. The ones who use this 12-point checklist routinely save $8,000-$20,000 per term.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Dec 8
Alternative Mortgage Lenders in Ontario: Your Complete Guide - Self Employed mortgage article | Best Rates Canada
Self Employed

Alternative Mortgage Lenders in Ontario: Your Complete Guide

Explore alternative and B lender mortgage options in Ontario. Understand who qualifies, rates, and when non-traditional lending makes sense.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Dec 6
Down Payment Strategies for 2026: How to Save Faster - First Time Buyers mortgage article | Best Rates Canada
First Time Buyers

Down Payment Strategies for 2026: How to Save Faster

Proven strategies to build your down payment faster in 2026, from first-time buyer programs to creative saving approaches.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Dec 6