Confused about mortgage payments in Canada? This guide shows you a simple way to estimate your monthly payment, explains how rate and amortization work, and when to use a calculator to get the exact number.

Mortgage rates in Canada aren’t one-size-fits-all. In October 2025, we’re seeing the lowest insured 3-year fixed rates around 3.84% – but the real rate you get depends on your deal, your profile, and who’s fighting for you.

Insured, insurable, or uninsurable - which bucket your mortgage falls into decides your rate. Here’s what each means in 2025, how to keep insured status, and why refinances always end up uninsurable.

A HELOC is like giving yourself a giant credit card backed by your home. Flexible, lower cost, and powerful - but only if you use it wisely. Here’s how HELOCs work in Canada and when they make sense.

Canadian lenders usually avoid Airbnb and VRBO properties. But one program now offers up to 75% financing for short-term rentals. Here’s what makes it possible - and how to qualify.