Refinancing
How to Lower Your Mortgage Payment
Payments feeling tight? Options to lower your monthly mortgage payment, from renewal and refinancing to consolidating debt.
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Mortgage Basics
How to Pay Off Your Mortgage Faster
Small changes, big savings. Simple strategies that can take years off your mortgage and save tens of thousands in interest.
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Mortgage Basics
Bank Mortgage Specialist or Mortgage Broker: Who Should You Use?
A bank specialist offers one bank's products. A broker compares many lenders. Here's how to decide which is right for you.
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Buying
How Much Mortgage Can I Get Approved For?
Income, debts, down payment and the stress test: how lenders decide your budget, with a quick way to estimate yours.
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Mortgage Basics
How to Get the Best Mortgage Rate in Ontario
The lowest advertised rate isn't always the best deal. Seven ways to get a better mortgage rate, and what to look for besides the rate.
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Renewing
Mortgage Renewal Checklist: How to Save Thousands
Your renewal letter isn't your best offer. A step-by-step plan to get a better rate at renewal.
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Buying
Ontario Closing Costs Checklist for Home Buyers
Budget 1.5%–4% of the purchase price for closing costs. Here's every item to plan for.
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Mortgage Basics
The Mortgage Stress Test: What It Is and How It Affects You
Why you qualify at a higher rate than you'll pay, and what it means for your budget.
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First-Time Buyers
FHSA + Home Buyers’ Plan: Using Both for Your Down Payment
The two most powerful tools for first-time buyers, and how to stack them for a bigger, tax-free down payment.
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Buying
CMHC Mortgage Insurance Explained
If your down payment is under 20%, you'll need mortgage default insurance. Here's what it costs and how it works.
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