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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
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
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
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
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
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
Why Use a Mortgage Broker in Alberta? Benefits for Calgary and Edmonton Buyers - Mortgage Tips mortgage article | Best Rates Canada
Mortgage Tips

Why Use a Mortgage Broker in Alberta? Benefits for Calgary and Edmonton Buyers

Discover how Alberta mortgage brokers can save you money and simplify your home financing with access to multiple lenders and expert guidance.

Voytek Jedrusiak Voytek Jedrusiak
Jan 28