Mortgage news, insights & guides
Timely Canadian mortgage market updates, rate analysis, and plain-language guides to help you decide with confidence.
13 articles
RefinancingRefinance Plus Improvements in Canada: Use Future Home Value to Fund Renovations
Refinance Plus Improvements is not new, but more lenders are now highlighting clearer, appraisal-based options for renovation financing. Here’s how it works, what changed in recent lender guidelines, and where the risks are.
August 4, 20263 min readRead article
Market updateCanada’s Two-Track Housing Market: Condos Cool as Affordable Regions Stay Hot
Canada’s resale market looks balanced nationally, but the local reality is sharply split. Toronto and Vancouver condos are facing heavy supply and softer prices, while many lower-cost regions and low-rise segments remain competitive.
July 27, 20263 min readRead article
Credit & debtShould You Consolidate Debt Before Applying for a Mortgage in Canada?
Debt consolidation can make your finances easier to manage before a mortgage application — but it can also create new issues if it is timed poorly or leads to more borrowing. Here’s how to think through the decision before you apply.
July 23, 20263 min readRead article
Market updateCanadian Housing Affordability Is Improving — But It Depends Where You Live
Canada’s housing market is showing early signs of better affordability, but the improvement is uneven. In high-cost markets, softer demand may create openings, while more affordable regions remain competitive and, in some cases, are still setting price records.
July 17, 20263 min readRead article
RatesBank of Canada Holds at 2.25% Again: What the July Decision Means
The Bank of Canada kept its policy rate unchanged on July 15, extending the current rate environment for Canadian borrowers. For mortgage holders, renewing homeowners and buyers, the main message is stability — but not relief yet.
July 15, 20263 min readRead article
HomeownershipA Practical Canadian Home Maintenance Plan to Protect Your Home and Budget
Rising home costs make proactive maintenance more important than ever. A simple seasonal, monthly and annual routine can help prevent damage, support insurance claims, and make renovation or repair costs easier to plan for.
July 8, 20263 min readRead article
RenewalsMortgage Delinquencies Are Rising in Canada: What Renewing Borrowers Should Know
New Equifax and CMHC data show mortgage stress is increasing as higher-rate renewals hit household budgets. Delinquencies remain low overall, but the pressure is concentrated among more leveraged borrowers and owners carrying other debts.
June 29, 20263 min readRead article
Personal financePersonal Finance for Canadian Homeowners: 6 Practical Moves
Higher living costs, debt payments and mortgage renewals are putting pressure on many Canadian households. Here are practical ways homeowners can protect cash flow, build a safety net and make more intentional mortgage decisions.
June 22, 20263 min readRead article
Credit & debtHow to Improve Your Credit and Debt Profile Before a Mortgage
Before you apply for a mortgage, lenders look at more than your credit score. This practical guide explains how to clean up your reports, lower balances, manage debt, and show lenders that your credit is under control.
June 18, 20263 min readRead article
HomeownershipHow Canadian Homeowners Can Budget for Repairs, Debt and Renewals
Homeownership costs do not stop at the mortgage payment. This practical guide shows how to plan for repairs, debt, renewal pressure, renovation financing and available federal supports without becoming house poor.
June 16, 20263 min readRead article
Market updateBank of Canada holds at 2.25%: what June's decision means for your mortgage
The Bank of Canada left its policy rate unchanged again in June. Here's why rates are stuck, and what it means whether you hold a variable, fixed, or are shopping for a new mortgage.
June 11, 20265 min readRead article
RenewalsCanada's 2026 renewal wave: how to handle a rate reset without overpaying
More than a million Canadian mortgages renew in 2026 — many jumping from pandemic-era lows to today's rates. Here's how to prepare for the payment shock and keep your options open.
June 4, 20266 min readRead article
First-time buyersUsing the FHSA in 2026: a first-time buyer's playbook
The First Home Savings Account remains one of the most powerful tools for Canadians buying their first home. Here's how it works and how to combine it with other programs.
May 28, 20267 min readRead article