RateShop.ca | Mortgage Learning Centre

Get the lowest mortgage rates in Canada from RateShop.ca

HELOC vs Refinance

HELOC vs Refinanceby: Ali ZaidiPublished on: 25/02/2026

HELOC vs refinance in 2026: compare cash flow impact, payments, rates, and risks to decide which home equity option works best for you.

Mortgage Rates
HELOC vs Refinance

Debt Consolidation Mortgages: Is Fall 2025 the Right Time?

Debt Consolidation Mortgages: Is Fall 2025 the Right Time?by: Joe MarkerPublished on: 31/10/2025

Discover if Fall 2025 is the ideal time to consolidate debt into your mortgage. Learn how to lower interest costs and simplify payments before potential rate cuts.

Mortgage Rates
Debt Consolidation Mortgages: Is Fall 2025 the Right Time?

🏡 HELOC vs Refinance: Smart Ways to Tap Equity This Fall

🏡 HELOC vs Refinance: Smart Ways to Tap Equity This Fallby: Joe MarkerPublished on: 10/10/2025

Compare HELOC vs refinance options this fall to unlock your home equity wisely. Learn which strategy offers lower rates, flexibility, and long-term savings.

Mortgage Rates
🏡 HELOC vs Refinance: Smart Ways to Tap Equity This Fall

🧠 Educational / Evergreen Mortgage Topics for 2025

🧠 Educational / Evergreen Mortgage Topics for 2025by: Joe MarkerPublished on: 07/10/2025

Explore top educational and evergreen mortgage topics for 2025. Learn key tips, tools, and strategies to make smarter home financing decisions year-round.

Mortgage Rates
🧠 Educational / Evergreen Mortgage Topics for 2025

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.