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Mortgage Qualification
By: Joe Marker Published on: 14/01/2026Learn how rising living costs affect mortgage qualification in Canada, including impacts on debt ratios, stress tests, and borrowing power.
Mortgage Renewal vs Refinance
By: Joe Marker Published on: 13/01/2026Mortgage renewal vs refinance explained for 2026. Learn the key differences, costs, and which option makes sense for Canadian homeowners.
Early Mortgage Renewal
By: Joe Marker Published on: 09/01/2026Considering early mortgage renewal in 2026? Learn the pros, cons, penalties, and when renewing early makes sense for Canadian homeowners.
January Is a Strategic Month
By: Joe Marker Published on: 05/01/2026Discover why January is a strategic month to lock a mortgage rate in Canada, with lender competition, rate holds, and early-year planning advantages.
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.