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.

Mortgage insurance means different things in Canada. Here’s how CMHC insurance, mortgage life insurance, and personal policies compare - and which one might actually protect you.

Reverse mortgages can drain your home’s equity faster than you think. Here’s a step-by-step guide to explore cheaper, smarter alternatives before you commit.

In July 2025, Canada shed 41,000 jobs (the worst performance in over three years) driving the unemployment rate to 6.9%. Analysts from BMO, CIBC, and Capital Economics say the weakness increases the odds of a Bank of Canada rate cut on September 17, now priced at 38–40% probability, with markets expecting two cuts before year-end. U.S. inflation at 2.7% and falling Canadian bond yields suggest mortgage rates could drop soon.

Big 5 banks make 5-year fixed mortgages sound safe — until you try to break them. Learn how IRD penalties work, why they’re often higher than you think, and smart ways to reduce them before it’s too late.

If a car loan - yours or one you co-signed - is crushing your mortgage approval, you don’t have to pay it off or give it up. Discover how Ontario vehicle loan refinancing can remove co-signers or slash payments in just days.