Mortgage

3 posts in Mortgage

Navigating the Canadian Mortgage Stress Test: How to Calculate Your True Affordability Before You House Hunt

Understand the Canadian mortgage stress test, the difference between qualifying and contract rates, and how to use our calculators to determine what you can truly afford in the housing market.

August 25, 20266 min read

Canadian house with a piggy bank and calculator

Mortgage

Crushing Your Mortgage Faster: How Annual Lump-Sum Payments Dramatically Reduce Interest Costs

Learn how annual lump-sum payments can shorten your amortization and save thousands in interest. Use our tools to see the impact of early mortgage prepayments.

May 7, 20265 min read

Canadian house with a 'for sale' sign in the front yard

Mortgage

Fixed vs. Variable Mortgage Rates: Which Saves More in Canada?

Deciding between a fixed or variable rate mortgage in Canada is a major financial choice. We explore the trade-offs of both options to help you make an informed decision for your budget.

April 27, 20266 min read