Mortgage guides
Plain-language explainers for the parts of the Canadian mortgage process that matter most.
What Is the Mortgage Stress Test?
Understand Canada's mortgage stress test — how the qualifying rate is calculated, why it affects how much you can borrow, and what you can do to improve your position.
Read guideHow Much Down Payment Do I Need?
A breakdown of Canada's tiered down payment rules by home price, the $1.5 million insured mortgage cap, CMHC insurance costs, and amortization options.
Read guideMortgage Broker vs. Going Direct to a Bank
What a mortgage broker actually does differently than a bank, when each option makes sense, and how to decide for your situation.
Read guide