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Mortgage Life Insurance in Canada (2025): Do You Really Need It?
What is Mortgage Life Insurance? Mortgage life insurance is a type of policy that pays off your mortgage if you die. It’s meant to protect your family from losing the home due to missed payments. Unlike regular life insurance, this…
Blend and Extend Mortgage in Canada (2025): The Friendly Way to Refinance
• What is a Blend and Extend Mortgage? • Why Canadians Use This Strategy in 2025 • Real-Life Example: Arjun & Meena’s Mid-Term Refinance • How Is the New Blended Rate Calculated? • When Does a Blend and Extend Make…
Interest-Only Mortgages in Canada: A Deep Dive Into Low-Payment Flexibility
What is an Interest-Only Mortgage? An interest-only mortgage is exactly what it sounds like: a home loan where you only pay the interest for a set period — usually between 1 to 7 years. During this time, your monthly payments…
Cash-Out Refinance in Canada: Should You Tap Into Your Home Equity?
For Canadian homeowners, the equity built up in a property can be more than just a number — it can be a real financial tool. Whether you’re planning a major renovation, paying down high-interest debt, or funding a life milestone,…
Is a Short-Term Fixed-Rate Mortgage Right for Me?
With mortgage rates still elevated and market uncertainty lingering, many Canadian homeowners and first-time buyers are rethinking the traditional 5-year fixed mortgage. More and more borrowers are choosing short-term fixed-rate options — usually for 1 to 3 years — as…
Self-Employed Mortgage Options in Canada
Getting a mortgage when you’re self-employed in Canada can feel like trying to squeeze into a box that wasn’t made for you. Your income isn’t always consistent, paperwork is trickier, and traditional lenders may not be as flexible. But that…
Should You Get a 30-Year Mortgage in Canada? Here’s What You Need to Know Before You Decide
Why the 30-Year Mortgage Is Suddenly a Hot Topic in Canada If you’ve been house-hunting lately — or even just thinking about it — you’ve probably come across the term “30-year mortgage.” It sounds like a good deal, right? Lower…
How to Make the Most of nesto’s Moving Day Mortgage Rate Lock Offer in Quebec
Moving Day in Quebec isn’t just a date on the calendar—it’s practically a cultural event. Every year, July 1st sees thousands of people across the province packing boxes, loading trucks, and settling into new homes. But if you’re one of…