Mortgage Stress Test in Canada (2026): How Banks Calculate What You Can Borrow
The Canadian mortgage stress test explained — the qualifying rate, how it shrinks your buying power 20-30%, and how to work around it.
Fixed vs Variable Mortgage in Canada (2026): The Honest Tradeoff
Fixed vs variable mortgage in Canada explained — the 2022 lesson nobody learned, current spread, when each wins, prepayment + break penalty differences.
CMHC Mortgage Default Insurance in Canada (2026): The Premium Math
CMHC mortgage default insurance explained — when it’s required, premium rates 2026, who pays, the three insurers (CMHC, Sagen, Canada Guaranty).
Mortgage Prepayment Penalties in Canada (2026): The IRD Trap
Mortgage prepayment penalty types in Canada — 3-months interest vs IRD, how banks calculate IRD, real penalty examples, and how to minimize them.
HELOC vs Second Mortgage in Canada (2026): When to Use Which
HELOC vs second mortgage in Canada — flexible credit line vs lump-sum second loan, interest rates, payment structure, when each fits.
GUIDES
Mortgages
Money in Canada, finally explained.
