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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.
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.
What you earn is only part of the picture. Lenders use debt ratios, the stress test, and your full financial profile to determine what you can actually borrow. Here is how it works.
Closing costs in Canada typically run 1.5% to 4% of the purchase price, on top of your down payment. Here is what is included, what first-time buyers can get back, and how to budget for closing day.
Rate decisions explained. Independent commentary on what each Bank of Canada announcement means for your finances.
Buying a second home in Canada means losing access to first-time buyer tools and passing the stress test again at your new rate. Here is what changes and what to do before you list or make an offer.
Co-signing a mortgage means your parents take on equal legal and financial responsibility, not just a formality. Here is what it means for everyone involved.
Porting a mortgage means transferring your existing rate and remaining term to a new property when you move. Here is how it works, when it makes sense, and what to watch for.
