5 Clever Hacks to Pass Canada’s Mortgage Stress Test (Without Losing Your Mind)
Buying a home in Canada is already stressful enough — throw in the mortgage stress test, and it can feel like the system’s working against you. This test, officially introduced to protect both borrowers and lenders from future interest rate…
A Lender vs B Lender Mortgages: What’s the Difference and Which One Is Right for You?
Not every mortgage in Canada comes from a big bank — and that’s not necessarily a bad thing. In fact, Canada’s lending system is built to offer options for all types of borrowers. Whether you’re salaried with great credit or…
All You Need to Know About Mortgage Portability in Canada
Moving homes doesn’t mean you need to start your mortgage from scratch. If you’re mid-way through a term and worried about penalties or rising rates, mortgage portability could be your financial lifesaver. This guide will walk you through how porting…
Alternative Mortgage Lenders in Canada: Who They Are and When to Consider One
Not everyone fits the traditional mortgage mould — and that’s where alternative lenders come in. If you’ve been turned away by big banks because of your credit score, income type, or financial history, don’t worry — you’re not out of…
Blended Mortgage Options in Canada: A Flexible Path to Better Rates
If you’re looking to lower your interest rate, access equity, or extend your mortgage term without paying a steep prepayment penalty, a blended mortgage might be the perfect fit. It’s a creative refinancing tool that combines your existing rate with…
Breaking Your Mortgage in Canada: When It Makes Sense (and When It Doesn’t)
Most Canadians sign a fixed-term mortgage expecting to stick it out till the end. But life happens — job changes, growing families, better rates, or debt consolidation needs often push homeowners to consider breaking their mortgage early.While doing so can…
Can You Change Jobs Before Your Mortgage Closes in Canada?
Landing a new job offer is always exciting, but if you’re in the middle of buying a home, you might wonder: can I change jobs before my mortgage closes in Canada? The short answer is yes—but it’s risky. A job…
Can You Pay Off Your Mortgage at Renewal in Canada?
Wouldn’t it feel amazing to finally say goodbye to your mortgage? For many Canadians, that dream gets real when mortgage renewal time comes around. But is it actually possible to pay off your mortgage in full when your term ends?…
Choosing the Right Mortgage Payment Frequency: Monthly, Weekly, or Biweekly
Picking the right mortgage payment schedule might not seem like a big deal at first — but it can make a big difference to how much interest you pay and how fast you become mortgage-free. The frequency of your mortgage…
Comparing Mortgage Terms and Amortization Periods
Choosing the right mortgage setup can make a big difference in your monthly payments, long-term savings, and flexibility. Two of the most important decisions you’ll make when getting a mortgage in Canada are the mortgage term and the amortization period.…
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