Housing Affordability Squeeze Persists for First-Time Buyers in Canada (2025)
Housing affordability remains at record lows for Canadian first-time buyers in 2025. With average home prices above $700,000 and strict stress test rules, many households are unable to qualify for mortgages. Despite incentives, affordability pressures persist across major and mid-sized cities, leaving homeownership out of reach for young families.
Mortgage Brokers vs. Direct Lenders: Navigating the Canadian Market in 2025
Wondering whether to work with a mortgage broker or go directly to a bank or credit union? Here's how to choose the best route for your mortgage in Canada.
CRS Implementation in Canada: What Mortgage Borrowers Need to Know in 2025
Confused about how Canada’s CRS rules affect your mortgage in 2025? This guide breaks down what borrowers need to know — from documentation to lender reporting, and how it could impact your approval.
Can NRIs Buy Property in Canada? Mortgage Rules Explained
NRIs can buy property in Canada, but mortgage approval depends on your residency status. Here's how PRs, newcomers, and non-residents are treated — and what documents you'll need.
How Are Mortgage Rates Determined in Canada? A Deep Dive for Homebuyers and Renewers
Mortgage rates can feel like a moving target—especially when you’re trying to buy your first home or decide whether to renew or refinance. One day, you see a lender offering 4.89%, and the next, it jumps to 5.29%. What’s going…
How Much Does It Cost To Build A House in Canada?
Building your own home is a deeply personal and exciting journey. For many Canadians, it’s a way to finally get the space, design, and lifestyle they’ve always dreamed of—without settling for whatever’s available on the resale market. But let’s be…
Do You Pay PST on Mortgage Default Insurance in Canada?
When you’re buying a home in Canada with less than a 20% down payment, there’s one extra cost you can’t avoid — mortgage default insurance. And if you’re buying in Manitoba, Ontario, or Quebec, there’s an added twist: you’ll also…
Eco-Friendly Home Upgrades in 2025: How Canadians Can Go Green and Save Big
If you’re thinking about renovating your home this year, there’s a growing reason to shift your focus toward sustainability. With rising energy costs, climate change concerns, and new federal incentives, 2025 may be the best time yet for Canadians to…
Should You Buy a Foreclosed Home in Canada? Here’s What You Need to Know
Foreclosed homes in Canada can be a great deal — but they come with risks. Learn what to expect, how the process works, and whether buying a foreclosure is the right move for you in 2025.
Do You Really Understand Your Credit Score in Canada? Let’s Break It Down
Credit scores. You’ve seen ads shouting about them, your bank mentions them, and your friends probably throw the term around — but do you actually understand what a credit score is, how it works, and why it matters? If you’re…
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