Mortgage education for Canadians
Plain-language guides to fixed vs variable rates, amortization, Bank of Canada decisions, renewals, and negotiation. No jargon, no sales pitch.
Fixed vs Variable Mortgage Rates in Canada: How to Actually Choose
Fixed or variable? See what each choice costs in real dollars on a typical Canadian mortgage, and how to pick based on your risk tolerance and plans.
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Amortization Explained: 25-Year vs 30-Year and What Each Costs You in Dollars
A longer amortization lowers your payment but adds thousands in interest. Compare 25-year vs 30-year side by side in dollars, not just monthly payments.
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Bank of Canada Rate Decisions: What They Mean for Your Mortgage Payment
The Bank of Canada moves rates and your mortgage payment changes. Here is what a 0.25% move means in real dollars for Canadian variable and fixed mortgages.
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Renewing Your Mortgage in Canada: The Complete Playbook
Your mortgage is renewing and your bank hopes you sign fast. This playbook covers rate holds, shopping the Big 5, IRD penalties, and negotiation scripts that save real dollars.
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How to Negotiate a Better Mortgage Rate (With Word-for-Word Scripts)
Your bank's first renewal offer is rarely its best. Learn when to call and what to say, with word-for-word scripts to shave real dollars off your mortgage rate.
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Posted Rate vs Your Rate: Why Banks Advertise One Number and Offer Another
Banks advertise a posted mortgage rate that almost nobody pays. See what the gap is really worth in dollars on a typical mortgage, and how to land on the right side of it.
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Mortgage Prepayments: How Small Extra Payments Shave Years Off
Learn how small mortgage prepayments in Canada cut years and thousands in interest, within your lender's annual prepayment privilege limits.
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Breaking Your Mortgage Early: Penalties, the Math, and When It Pays Off
Breaking a Canadian mortgage early costs a penalty: 3 months' interest or IRD. See worked dollar examples, the break-even math, and porting.
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