Canadian fixed mortgage rates may be heading higher as rising oil prices renew inflation concerns and push bond yields upward. Here is what that means for anyone buying, refinancing or renewing a mortgage in July 2026.

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.

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.

Foxwood Homes in London, Ontario is offering to cover up to $12,500 of property taxes and utilities for new buyers. Sounds like a deal - but it’s actually evidence of a slowing & hesitant housing market. Here’s what you need to know.

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.