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.

The Big 5 banks dominate the ads, but monoline lenders like MCAP and First National dominate the broker world. With fairer penalties, faster service, and competitive rates, here’s why they’re often the smarter mortgage choice.

Mortgage brokers are usually free for clients, but lenders pay us for sending them qualified deals. Here’s how broker commissions work, when fees apply, and why banks actually prefer paying brokers over finding clients on their own.

Crypto is becoming mainstream in Canada, but lenders are still cautious. Here’s how to turn your digital assets into a mortgage down payment, what new OSFI rules mean, and the safest ways to use crypto in home buying.

Mortgage rates don’t move randomly. Fixed rates follow the bond market, variable rates track the overnight rate, and both respond to big events like recessions, global crises, or inflation. Here’s the simple breakdown every Canadian should know.

Most homeowners think mortgage renewal is automatic. It’s not. Here’s when lenders can say no, the two tactics they use, and how to protect yourself.