If Rates Rise Again After a year of relief from rate hikes, many Canadians are finally catching their breath. But with inflation proving stubborn and bond yields climbing again, the question is back on the table: what happens if rates…
Many homeowners and small-scale investors are heading into renewals with higher payments than they expected. Rates have eased from the peak, but not enough to unwind years of inflation, tighter qualification rules, and rising shelter costs. Payment shock is real…
When you buy a home with less than 20% down, mortgage default insurance is mandatory.Most people assume it’s just something that protects the lender — not them. But what many homebuyers don’t realize is that default insurance often comes with built-in protections…
Why Many Renewals May Jump 20% What’s driving the sharp renewal increase forecast for 2026 and how homeowners can prepare. A large wave of Canadian mortgages comes due through 2026. Bank of Canada staff estimate roughly 60% of outstanding mortgages will…
Many plan to wait 12–24 months before stepping into the market Canada’s housing market is shifting in favour of buyers. Softer prices, more listings, and easing borrowing costs have improved affordability. Yet most first-time buyers aren’t rushing in. They’re watching,…