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Canadian mortgage writer covering fixed versus variable rates, the OSFI stress test, and CMHC insurance. Guides first-time buyers and renewers through qualifying and choosing a term.
Fixed mortgage rates in Canada are trending downward as of June 17, 2026, creating opportunities for borrowers to lock in lower rates on purchases, renewals, and refinances.
When the Bank of Canada pauses its policy interest rate, the impact on Canadian mortgage rates depends on whether you have a variable or fixed-rate mortgage, and whether you are renewing, refinancing, or buying.
Learn the essential steps to prepare for your mortgage renewal, negotiate better rates, and avoid costly mistakes during the 2026-2027 renewal period.
Learn when refinancing your mortgage makes financial sense, how to calculate potential savings, and what costs to consider before making the switch.