Mortgage Guides

Comprehensive list of guides for Canadian mortgage loans.

Today's top rates in:

5-Year Variable
4.75%
5-Year Fixed
4.77%

Guide to finding a better mortgage rate

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Best fixed rate

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B Lenders

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Bridge financing

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Buying Mortgages

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Closing Cost

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Early Mortgage Renewal

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First-Time Home Buyer

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Fixed vs. variable rates

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Halal mortgages

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Land transfer tax

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Liveability Report

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Loan-to-value

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Mortgage 101

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Mortgage amortization

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Mortgage approval process

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Mortgage default insurance

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Mortgage down payment

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Mortgage payment frequency

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Mortgage prepayment options

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Mortgage renewals

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Mortgage terms

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Mortgage vs. HELOC

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Obtaining or renewing a mortgage

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Open vs closed mortgages

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Rent vs. buy

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Self-employed

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Should I refinance?

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Mortgage glossary

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Provable vs Stated Income

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Latest mortgage articles:

30% of Canadians believe condos are no longer a good investment – Here's why

Aya AlHakim April 21, 2025
Condo Affordability Header
BoC keeps policy rate steady as US tariffs and trade war cloud economic outlook

The Bank of Canada holds its policy interest rate steady at 2.75% today as the Bank gains more clarity about the path forward about U.S. tariffs and its impacts.

Arshi Hossain April 16, 2025
the family holds the Canadian flag behind their backs against the background of the sky and river
Ask the Expert: What’s your Canadian mortgage strategy in Trump’s tariff war?

With tariffs in full swing and jobs at stake, our resident mortgage broker shares his on vice on how to protect yourself - whatever your situation.

Steve Garganis April 11, 2025
Digital illustration of a family looking at their home _what's your mortgage strategy during trump's tariffs
Should you buy a house right now, or wait until interest rates come back down?

House prices are slightly lower right now, but interest rates are still high. Ahead of a hot spring market, where does this leave Canadians looking to buy property?

Caitlin McCormack March 27, 2025
Calgary, Alberta, Canada. March 24, 2022. A REMAX Realtor Sign of a Sold property during winter
How much more money do you need to make to buy a home in Canada?

Can you afford a home? See how your income measures up against home prices in cities across Canada.

Arshi Hossain March 20, 2025
loop of houses in a community 3d with gold coins on the ground
Should you take a mortgage vacation? What to know about mortgage deferrals

Is it a good idea to take a mortgage payment vacation? Such an option can come in handy in financial emergencies but will cost homeowners more in interest.

Craig Sebastiano March 14, 2025
A concentrated adult man reading and analyzing a document while sitting in front of a laptop

Find a better mortgage rate

Ajax Brampton Burlington Calgary Edmonton Guelph Halifax Hamilton Kitchener London Moncton Mississauga Newmarket North York Oakville Oshawa Ottawa Regina Saskatoon Surrey Toronto Vancouver Victoria Windsor Winnipeg
Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan
Bank of Montreal CIBC MCAP Neo Financial Rocket Mortgage Scotiabank Simplii Financial Tangerine Bank TD Canada Trust True North Mortgage National Bank Royal Bank of Canada Desjardins
6 month fixed closed 6 month fixed open 1 year fixed 1 year variable 1 year fixed open 1 year fixed closed 2 year fixed 3 year fixed 3 year variable 3 year open variable 4 year fixed 5 year fixed 5 year variable 5 year variable open 7 year fixed closed 10 year fixed 10 year fixed closed 15 year fixed 25 year fixed HELOC Renewal Reverse mortgage High ratio mortgage Second mortgages Self-employed Prime rate Bank of Canada

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