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Canada’s minimum down payment rules depend on the home’s purchase price — and the right amount to put down isn’t always the most you can afford. Here’s what to weigh before you commit.
Fixed terms of five years or longer fell to just 8.8% of new Canadian mortgages in July, a record low. Here is why borrowers moved to shorter terms and variable rates, and what a rate hike could mean.
Markets are leaning toward a Bank of Canada rate hike on October 28. But slower growth, September's job losses and insolvencies at their highest level since 2009 make a case for a hold.
The Bank of Canada (BoC) has held its overnight interest rate at 2.25% seven consecutive times as of September 2, 2026. Variable rates have barely budged at all. On the other hand, fixed mortgage rates have been quietly climbing; the reason has nothing to do with the BoC.
Rate decisions explained. Independent commentary on what each Bank of Canada announcement means for your finances.
Title insurance protects you from problems with a home’s ownership history, like fraud, unpaid liens and public record errors. Here’s what it covers, what it costs, and whether you need it.
Most lenders want a credit score of at least 680 for the best mortgage rates. If you are not there yet, here is what is actually affecting your score and what you can do about it in the next six to twelve months.
A mortgage broker has access to multiple lenders. A bank specialist has one. Here is what that difference actually means, what to ask before you sign anything, and what red flags to watch for.
