icon

Mortgage Guides

Comprehensive list of guides for Canadian mortgage loans.

Today's top rates in:

5-Year Variable
5.89%
5-Year Fixed
5.09%
Select one of the following to get started!
I’m Buying A Home
I'm Renewing My Mortgage
I'm Refinancing My Home

Guide to finding a better mortgage rate

A man signs paperwork while a woman embraces his arm

Best fixed rate

Read guide
mortgage payments .jpg

B Lenders

Read guide
Family walking together on bridge with cityscape in the background

Bridge financing

Read guide
A man shakes hands with a mortgage broker

Buying mortgages

Read guide
A middle-aged couple looks at their options for paying off their mortgage

Closing costs

Read guide
mother and children opening boxes in home

Early mortgage renewal

Read guide
Young couple standing in front of blue house

First time homebuyers

Read guide
Row of houses

Fixed vs. variable rates

Read guide
houses in a row in the fall

Halal mortgages

Read guide
Couple helping each other fill out their taxes

Land transfer tax

Read guide
RDOT-028_2021_Housing_Affordability_Map_Landing_V4@2x.jpg

Livability report

Read guide
A couple walk with luggage in tow as they move in to new home

Loan-to-value

Read guide
Dreaming of a house.jpg

Mortgage 101

Read guide
Grown man and father enjoying time together in candid portrait

Mortgage amortization

Read guide
Real estate agent handing over house keys with approved mortgage

Mortgage approval process

Read guide
A couple speak with a mortgage broker

Mortgage default insurance

Read guide
A woman drinking a cup of coffee enters her credit card info online

Mortgage down payment

Read guide
Desktop calendar stands upright on a blue table.

Mortgage payment frequency

Read guide
A person uses a calculator while holding a tablet at a desk covered with jars of coins

Mortgage prepayment options

Read guide
A mortgage broker explains a couple's options to them

Mortgage renewals

Read guide
A couple sits with coffee mugs and speaks with a mortgage broker or financial advisor

Mortgage terms

Read guide
Grey house green lawn

Mortgage vs. HELOC

Read guide
Couple embracing in front of beige house

Obtaining or renewing a mortgage

Read guide
A young couple sit in front of a mortgage broker or financial advisor

Open vs. closed mortgages

Read guide
A couple paints the bedroom walls of their new apartment blue

Rent vs. buy

Read guide
A person types on a laptop with a dog in their lap

Self-employed

Read guide
A couple asks a realtor questions about their property

Should I refinance?

Read guide
Young family walking on sidewalk in residential neighbourhood after a day of downtown shopping

Mortgage glossary

Read guide
Canadian money spread out around a graph and a calculator

Provable vs. Stated Income

Read guide

Latest mortgage articles

Increase in mortgage payments.jpg
$23,579: This is how much more a variable-rate could have cost homeowners over fixed-rate
RATESDOTCA looked at fixed- vs. variable-rate to see how much more in interest someone with a variable-rate would've paid over the course of a mortgage.
Learn More
7 mins read
Shaistha K.
Sep.18.23
Man handing over keys for new house to new home buyer.jpg
Looking for a new home? Why you need to pre-qualify first
Mortgage pre-approvals save time, angst, and give you leverage to make serious offers before someone else beats you to it!
Learn More
3 mins read
RATESDOTCA T.
Sep.13.23
Rising expenses and inflation.jpg
After two rate hikes, Bank of Canada pauses policy rates – for now.
After two successive hikes over the summer, the Bank of Canada has announced that it will be pausing the overnight policy rate at 5.00%
Learn More
5 mins read
Shaistha K.
Sep.06.23
Find a better mortgage rate
By City
By Province
By Provider
By Type
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
HSBC
RBC
Scotiabank
Simplii Financial
Tangerine Bank
TD Canada Trust
True North Mortgage
Rocket Mortgage
Neo Financial
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
Bank of Canada

Subscribe to our newsletter

Stay on top of our latest offers, relevant news and tips!

Yes, I'd like to receive offers and newsletters via email from RATESDOTCA. I may unsubscribe at any time.

Thanks for joining!

You'll be hearing from us shortly - stay tuned.