日常地产随写

Fixed vs Variable: Which Mortgage Rate Should You Lock in Ontario in 2026?

A fixed rate locks your rate for the whole term; a variable rate moves with the central bank's policy rate. As of June 2026 the Bank of Canada's policy rate is 2.25% (held for a fifth straight time) and prime is 4.45%. Here's the difference, the huge gap in prepayment penalties, the stress test, and how to choose for your situation.

What Is CMHC Mortgage Insurance, Really? The Premiums, the $1.5M Cap, and the Money Math Behind a Low Down Payment

If your down payment is under 20%, Canadian law requires mortgage default insurance (CMHC, Sagen, or Canada Guaranty). Per CMHC, premiums run 0.60%-4.00% of the loan, higher the smaller your down payment. Since Dec 15, 2024 the insurable price cap is $1.5M, and first-time buyers or new-build buyers can use 30-year amortization. Here's the full breakdown, including Ontario's 8% sales tax on the premium.

Special Mortgage Programs at Canada’s Big Banks: Which One Is Right for You

Canada's big banks each have a flagship mortgage program: Scotia STEP, TD FlexLine, RBC Homeline, BMO ReadiLine, CIBC Home Power. Here's how readvanceable products work, the stress-test rule, and the 2024 insured-mortgage reforms — so you choose well.

Immigrating to Canada: Is It Worth It From a Financial-Planning View?

Immigrating to Canada is a major financial decision. This piece evaluates it rationally — asset and currency diversification, education and healthcare, tax residency, and property holding costs — without fear-selling or cheerleading.

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