Mortgage
Mortgage Brokers vs Banks: How to Compare Your Options in Canada
Compare Canadian mortgage brokers and direct bank lending to find the best mortgage rate and service for your home purchase or refinance.
Tyler LeBlanc
Author
Quebec-based bilingual mortgage writer. Covers fixed versus variable rate strategies under the OSFI B-20 stress test, helping Canadian homeowners decide between renewal, refinance, and lender switch.
- mortgage
- refinance
- mortgage-renewal
- home-buying
Published articles
Mortgage
How Self-Employed Borrowers Can Qualify for a Mortgage in Canada
Self-employed Canadians can qualify for a mortgage without a T4 by providing alternative income documentation such as Notice of Assessment, T1 tax returns, and financial statements.
Mortgage
Mortgage Portability in Canada: Keeping Your Rate When You Move
Learn how mortgage portability lets you transfer your existing mortgage rate and terms to a new property when you move, potentially saving thousands in interest and penalties.
Mortgage
Land Transfer Tax in Canada: First-Time Buyer Rebates by Province
Provincial land transfer tax rates and first-time buyer rebates vary widely across Canada. This checklist helps you understand what you will pay and which rebates you qualify for.
Mortgage
A First-Time Home Buyer's Guide to Getting a Mortgage in Canada
A complete guide for first-time home buyers in Canada covering mortgage qualification, down payments, the stress test, and key programs that can help.
Mortgage
Fixed vs Variable Rate Mortgages in Canada: Which Is Right for You?
Compare fixed and variable rate mortgages to understand which rate structure fits your financial situation, risk tolerance, and timeline in the Canadian market.
Mortgage
How to Refinance Your Canadian Mortgage and When It Makes Sense
A practical guide to mortgage refinancing in Canada, including when to refinance, costs to expect, and how to decide if it's worth it.
Mortgage
RRSP Home Buyers Plan: Using Your RRSP for a Down Payment in Canada
The RRSP Home Buyers Plan lets first-time buyers withdraw up to $60,000 from their RRSP tax-free to buy or build a qualifying home, with 15 years to repay.
Mortgage
Big Six Banks Cut Prime Rate by 25 Basis Points in Canada Following Bank of Canada Move
Canada's major banks reduced their prime lending rates to 5.70% after the Bank of Canada lowered its policy rate, affecting variable-rate mortgages and home equity lines of credit.
Mortgage
Do You Need a Mortgage Stress Test to Switch Lenders in Canada?
Many Canadian homeowners can switch mortgage providers at renewal without redoing the federal mortgage stress test. The key condition is that the move must be a straight switch, not a refinance.
Mortgage
Buy or Wait After the June Rate Call in Canada?
The Bank of Canada held its policy rate in June 2026, but that does not make buying automatically better than waiting. The right move depends on your payment comfort, local market conditions, and whether a rate hold protects you while you shop.
Mortgage
Home Equity Line of Credit (HELOC) in Canada: Using Your Equity Wisely
Learn how a HELOC works in Canada, the regulations that govern borrowing limits, and smart strategies for accessing your home equity responsibly.
Mortgage
Mortgage Interest Rates in Canada Today, June 24, 2026: Rates Continue Downward
Canadian mortgage rates dropped again today, with five-year fixed rates now averaging 4.39% and variable rates at 5.15%. Find out what today's rate changes mean for your mortgage decisions.
Mortgage
Mortgage and Refinance Interest Rates in Canada Today, June 23, 2026: Rates Reverse Course and Rise
Canadian mortgage rates climbed this week after three months of decline, with fixed rates rising 15 to 25 basis points across major lenders.
Mortgage
Mortgage Rates in Canada Drop as Global Tensions Ease: June 2026 Update
Canadian mortgage rates declined this week following geopolitical developments that eased inflation concerns and pushed bond yields lower.
Mortgage
How to Refinance Your Mortgage in Canada: Complete 2027 Guide
Learn when and how to refinance your mortgage in Canada, including costs, qualification requirements, and strategies to save money on your home loan.