Guides
In-depth mortgage guides
Longer-form, step-by-step guides to help you make confident decisions across the whole Canadian mortgage journey.
Featured
Our core guides
By topic
Quick-read explainers
Fixed vs variable: which is right for you?
Basics
Understanding the mortgage stress test
Qualifying
How CMHC default insurance works
Costs
FHSA vs RRSP Home Buyers' Plan
First-time buyers
Renewal vs switching: don't auto-renew
Renewal
Land transfer tax across Canada
Closing costs
Amortization vs term, explained
Basics
Accelerated payments: pay off years sooner
Strategy
The 2026 mortgage stress test, explained
Qualifying
30-year amortization: who qualifies in 2026
Qualifying
The $1.5 million insured mortgage cap, explained
Qualifying
Straight switch: renew without the stress test
Renewal
GST/HST rebate for first-time buyers on new builds
First-time buyers
Mortgage renewal in Alberta: a step-by-step guide
Renewal
How to refinance your mortgage in Alberta
Refinance
Calgary mortgage rates and market guide
Alberta
Edmonton mortgage rates and market guide
Alberta
Alberta land titles fees, explained (no land transfer tax)
Alberta
HELOC vs refinance: which should you choose?
Home equity
First-time home buyer's guide to Alberta
First-time buyers