Make sense of the decisions behind your mortgage, with practical explanations and sources you can check.
Buying a multi-million-dollar home: where to begin
A practical planning brief for a significant property purchase.
Read the guide MORTGAGE ESSENTIALSPrepare for a productive mortgage conversation
Organize the right information before you begin, without sending sensitive documents through a general enquiry form.
Read the guide MORTGAGE ESSENTIALSThe terms behind the rate
Questions about flexibility that belong in every mortgage comparison.
Read the guide MORTGAGE ESSENTIALSBuying before selling: map the timing
Put the dates, cash movements and financing conditions on one page.
Read the guide MORTGAGE ESSENTIALSBefore your next rental property
A financing checklist that looks beyond the advertised rent.
Read the guide MORTGAGE ESSENTIALSMoving from Ontario to Alberta: plan both sides of the move.
A new province changes your closing budget and the timing of your move. Connect the sale, purchase and financing before committing to dates.
Read the guide MORTGAGE ESSENTIALSHow much down payment do you need in Canada?
For an eligible owner-occupied home below $1.5 million, start with 5% of the first $500,000 and 10% of the rest. At $1.5 million or more, plan for at least 20%.
Read the guide MORTGAGE ESSENTIALSFixed or variable: what are you choosing?
A fixed rate provides rate certainty during the term. A variable rate introduces the possibility of change. The better fit depends on your budget, plans and the contract.
Read the guide MORTGAGE ESSENTIALSWhat does the mortgage stress test mean for you?
The stress test evaluates whether you could afford payments at a qualifying rate above your contract rate. It is a qualification calculation, not the rate you necessarily pay.
Read the guideA real conversation. Clear options. A plan built around you.