Mortgages

How Canadian mortgages actually work: qualifying, the stress test, fixed versus variable, renewals and what changes when rates move.

Latest in mortgages

The FHSA: how the first home savings account works

The FHSA is the only registered account that is deductible going in and tax-free coming out. That combination is why it usually beats the alternatives for a first home.

· 6 min read

  1. The Canadian mortgage stress test, explained

    You do not qualify at the rate you will pay. You qualify at a higher one — and understanding which one tells you what you can actually borrow.

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