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.

Porting lets you move your mortgage to a new home and avoid penalties - but it comes with rules. Discover the 3 types of ports, lender requirements, and when porting makes sense.

Rent-to-own can open the door to homeownership — or slam it shut. Discover how these deals work in Canada, the hidden risks, and a real story that cost one family tens of thousands.

Overpaying your mortgage can save you years and thousands in interest - if you know your lender’s rules. Here’s how to find your limits and use them to your advantage to become mortgage free, faster.

Mortgage qualification in Canada doesn’t have to be a mystery. Here are quick rules of thumb to ballpark your number, and the factors that can push it higher or lower.