How to Choose Between Fixed vs. Variable Rate Mortgages
Choosing between a fixed and variable mortgage rate is one of the first — and biggest — decisions you’ll face when buying a home. It’s not just about which rate is lower today. It’s about what fits your lifestyle, finances,…
How to Effectively Compare Mortgage Interest Rates in Canada
When you’re buying a home or refinancing your mortgage in Canada, the interest rate is one of the biggest numbers you’ll need to pay attention to. But here’s the tricky part — with so many rate types, lenders, terms, and…
How to Renew Your Mortgage 101
When you first got your mortgage, you picked a term — maybe 5 years, maybe shorter or longer. But here’s the thing: when that term ends, your mortgage probably won’t be fully paid off. That’s where renewal comes in. In…
How To Stretch Your Home Renovation Budget : Expert Money-Saving Strategies
Dreaming of a fresh new look for your home, but your bank account says otherwise? Don’t worry, you’re not alone. Renovating a home in Canada can get pricey quickly, but with the right planning and smart strategies, you can get…
Is My Mortgage Interest Tax Deductible?
If you’re a homeowner in Canada, you might be wondering if the interest you pay on your mortgage can be claimed as a tax deduction. While the answer isn’t always straightforward, there are situations where mortgage interest is tax deductible…
Is There a Stress Test for Mortgage Renewals?
With interest rates climbing and inflation making monthly budgets feel tighter, mortgage renewals have become a critical financial moment for many Canadian homeowners. If your fixed term is ending soon, or you’re part of the 2.2 million Canadians facing renewal…
Learn to Calculate Your Loan-to-Value Ratio Today
If you’re thinking of buying a home, refinancing your mortgage, or tapping into your home equity, one term you’ll run into a lot is loan-to-value ratio (LTV). It’s a simple percentage, but it plays a massive role in the kind…
Low Credit Score? Learn How to Improve Your Credit Score Today
If you’ve been told your credit score needs work, you’re not alone. Whether you’re applying for a mortgage, a car loan, or even trying to rent an apartment, your credit score can make or break your chances. In Canada, credit…
Mastering Mortgage Math: A Step-by-Step Guide to Calculating Different Mortgage Payments
If mortgage math makes your head spin, you’re not alone. Whether you’re buying your first home, refinancing, or just curious about how your payments work, understanding mortgage math can empower you to make smarter financial decisions. This guide breaks down…
Mortgage Brokers vs. Banks: Which Is Right for You?
When it comes to getting a mortgage in Canada, one of the first big decisions you’ll need to make is who to work with: a mortgage broker or a bank. Both can help you get the financing you need, but…
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