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Mortgage Tips & Expert Advice

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

Mortgage Stress Test Changes Coming in 2026: What Buyers and Renewers Need to Know - Market Updates mortgage article | Best Rates Canada
Market Updates

Mortgage Stress Test Changes Coming in 2026: What Buyers and Renewers Need to Know

How the federal mortgage stress test works in 2026, the changes OSFI confirmed for switch-at-renewal, and what it means for your buying power and renewal strategy.

Voytek Jedrusiak Voytek Jedrusiak
Nov 26
Condo Mortgages: How They Differ From Houses - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Condo Mortgages: How They Differ From Houses

Special considerations when financing a condominium. From condo fees to status certificates, here's what you need to know.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Nov 25
Accelerated Mortgage Payoff: 7 Real Strategies to Own Your Home Faster - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Accelerated Mortgage Payoff: 7 Real Strategies to Own Your Home Faster

Seven concrete strategies for paying off a Canadian mortgage years sooner — with real numbers showing the interest saved on a $500,000 mortgage at 2026 rates.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Nov 25
How Your Police Pension Strengthens Your Mortgage Application - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

How Your Police Pension Strengthens Your Mortgage Application

How OMERS, RCMP Pension Plan, and other police pensions factor into mortgage qualification and long-term home ownership strategy.

Voytek Jedrusiak Voytek Jedrusiak
Nov 25
Pilot Base City vs. Commuting: Where Should You Buy? - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Pilot Base City vs. Commuting: Where Should You Buy?

For Canadian airline pilots, choosing between buying in your base city or commuting changes mortgage qualification, lifestyle, and long-term wealth. Here is how the math actually works.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Nov 25
New Construction Mortgages: Complete Buyer’s Guide - First Time Buyers mortgage article | Best Rates Canada
First Time Buyers

New Construction Mortgages: Complete Buyer’s Guide

Financing a new build or pre-construction condo? Understanding the unique mortgage requirements and risks.

Voytek Jedrusiak Voytek Jedrusiak
Nov 24
Newcomer Mortgage Programs in Canada: 2026 Guide for New Permanent Residents - First Time Buyers mortgage article | Best Rates Canada
First Time Buyers

Newcomer Mortgage Programs in Canada: 2026 Guide for New Permanent Residents

How new permanent residents and work-permit holders can buy a home in Canada in 2026 — newcomer mortgage programs, down payment rules, credit requirements, and the lenders that actually approve these files.

Voytek Jedrusiak Voytek Jedrusiak
Nov 24
Rural Property Mortgages: Financing Country Living - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Rural Property Mortgages: Financing Country Living

Special considerations when financing rural properties, acreages, hobby farms, and country homes in Canada.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Nov 23
Mortgage Default Insurance Explained: CMHC, Sagen & Canada Guaranty in 2026 - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Mortgage Default Insurance Explained: CMHC, Sagen & Canada Guaranty in 2026

What mortgage default insurance actually is, when you need it, what it costs, and the differences between CMHC, Sagen, and Canada Guaranty — written for buyers who want the real numbers.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Nov 23