RateShop.ca | Mortgage Learning Centre

Get the lowest mortgage rates in Canada from RateShop.ca

First-Time Buyers

First-Time BuyersBy: Joe Marker Published on: 30/12/2025

Learn what first-time buyers should plan before January 2026. Get tips on pre-approvals, credit, down payments, incentives, and mortgage preparation.

Mortgage Rates
Read more
First-Time Buyers

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.