Learning centre
Canadian mortgages, made clear
Plain-language guides and explainers built for the Canadian market - from the stress test to first-time buyer programs.
Basics
Fixed vs variable: which is right for you?
6 min read
QualifyingUnderstanding the mortgage stress test
5 min read
CostsHow CMHC default insurance works
4 min read
First-time buyersFHSA vs RRSP Home Buyers' Plan
7 min read
RenewalRenewal vs switching: don't auto-renew
5 min read
Closing costsLand transfer tax across Canada
6 min read
BasicsAmortization vs term, explained
4 min read
StrategyAccelerated payments: pay off years sooner
5 min read
QualifyingThe 2026 mortgage stress test, explained
6 min read
Qualifying30-year amortization: who qualifies in 2026
6 min read
QualifyingThe $1.5 million insured mortgage cap, explained
5 min read
RenewalStraight switch: renew without the stress test
5 min read
First-time buyersGST/HST rebate for first-time buyers on new builds
6 min read
RenewalMortgage renewal in Alberta: a step-by-step guide
7 min read
RefinanceHow to refinance your mortgage in Alberta
7 min read
AlbertaCalgary mortgage rates and market guide
6 min read
AlbertaEdmonton mortgage rates and market guide
6 min read
AlbertaAlberta land titles fees, explained (no land transfer tax)
5 min read
Home equityHELOC vs refinance: which should you choose?
6 min read
First-time buyersFirst-time home buyer's guide to Alberta
8 min read
Articles are educational and illustrative, not financial or legal advice.
Compare
Side-by-side comparisons
Not sure which mortgage option fits your situation? These comparisons break down the differences in plain language.
Compare