Insights & Analysis

Mortgage insights & market updates

Expert analysis, Bank of Canada rate commentary, policy updates, and practical tips to help Canadian homeowners and buyers make smarter mortgage decisions.

FeaturedMarket Update

February 2026 8 min read

Bank of Canada Rate Outlook for 2026: What It Means for Your Mortgage

The Bank of Canada has continued its rate adjustment path into 2026. With the overnight rate now sitting below its 2024 peak, both fixed and variable rate borrowers are seeing improved options. Here is a detailed look at what the current rate environment means for different types of borrowers, and the key factors that will influence rate movements through the rest of the year.

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Latest articles

Policy Update

New Insured Mortgage Cap: What the $1.5M Limit Means for Buyers

As of December 2024, the insured mortgage cap increased from $1 million to $1.5 million. Buyers in higher-priced markets can now qualify with as little as 5-10% down on properties up to $1.5M.

January 2026 6 min

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First-Time Buyers

30-Year Amortization for First-Time Buyers: Who Qualifies?

The federal government introduced 30-year amortization for first-time buyers purchasing new builds. Here is who qualifies and how it affects your monthly payments and total interest cost.

January 2026 5 min

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Rate Analysis

Fixed vs. Variable in 2026: Which Is Right for You?

With the Bank of Canada's rate trajectory evolving, the fixed vs. variable decision is more nuanced than ever. I analyze the current spread, historical trends, and key decision factors.

December 2025 7 min

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Savings Strategy

FHSA: How to Maximize Your First Home Savings Account

The First Home Savings Account lets first-time buyers save up to $40,000 tax-free. Learn how to maximize this account and combine it with the RRSP Home Buyers' Plan.

November 2025 5 min

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Qualification

Understanding the Mortgage Stress Test in 2026

The mortgage stress test remains a defining factor in Canadian mortgage qualification. Here is how it currently works and strategies to maximize your approval amount.

October 2025 6 min

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Rate Analysis

Renewal Season: How to Get the Best Rate When Your Term Ends

Over 1 million Canadians will renew their mortgage in 2026. Do not just sign your lender's renewal offer. Here is how to negotiate or switch lenders for a better rate.

September 2025 4 min

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Mortgage insights & market updates

Bank of Canada Rate Outlook for 2026: What It Means for Your Mortgage

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Latest articles

New Insured Mortgage Cap: What the $1.5M Limit Means for Buyers

30-Year Amortization for First-Time Buyers: Who Qualifies?

Fixed vs. Variable in 2026: Which Is Right for You?

FHSA: How to Maximize Your First Home Savings Account

Understanding the Mortgage Stress Test in 2026

Renewal Season: How to Get the Best Rate When Your Term Ends

Stay ahead of the market

Book Your Free Mortgage Consultation