RateShop.ca | Mortgage Learning Centre
Get the lowest mortgage rates in Canada from RateShop.ca
Mortgage Stress Test
By: Joe Marker Published on: 22/12/2025Learn what to expect from Canada’s mortgage stress test in 2026. Understand qualification rules, renewals, refinancing, and how lower rates affect approval.
Pros and Cons of Buying a Home
By: Joe Marker Published on: 09/12/2025Explore the pros and cons of buying a home during the holiday season in Canada. Learn about pricing, competition, mortgage deals, winter challenges, and buyer advantages.
Canada Policy in Late 2025
By: Joe Marker Published on: 02/12/2025Learn how Bank of Canada policy in late 2025 impacts fixed and variable mortgage rates. Explore inflation trends, bond yields, rate cuts, and market expectations.
Switching Lenders in November 2025
By: Joe Marker Published on: 27/11/2025Learn how to navigate mortgage penalties when switching lenders in November 2025. Understand IRD vs variable penalties, costs, savings, and smart strategies.
5 Year - Fixed Term from
3.89%
*Advertised rates may not be offered by this lender. Mortgage lender offers are aggregated by RateShop & its Brokerage Network subject to change without notice. Speak with our mortgage broker about APR and qualification requirements.