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Mortgage guides
Guides on the October 28, 2026 rate hike, fixed and variable loans, payments, insurance, renewals, and the stress test.
The October 28, 2026 policy rate hike
Overnight rate to 2.50%, what the Bank said, and what that does and does not do to a mortgage.
Fixed or variable after a rate hike
The gap in the thread, what one more hike does to it, and the part a rate card leaves out.
How a Canadian mortgage payment is calculated
Semi-annual compounding, a worked $500,000 payment, and the figure that is not your interest bill.
Insured or uninsured mortgage
The down payment bands, the $1.5 million cap, and why insured rates in the thread sit lower.
When to shop a mortgage renewal
The letter from your own bank is a starting bid. Here is what people in the thread did with theirs.
The mortgage stress test on a new loan
You qualify at the contract rate plus 2 points, or at 5.25%, whichever is higher. You pay the contract rate.