Mortgage & Finance
Mortgage rates, financing, and home loan guides for Ontario buyers
Bridge Financing in Ontario: How to Buy Before You Sell
Bridge financing lets you close on a new Ontario home before your current home's sale funds arrive. Here is how the loan works, how interest is charged daily on the bridged amount, why lenders require a firm sale, typical term length, costs, and the risks.
过桥贷款（Bridge Financing）：先买后卖怎么操作、利息怎么算、有什么风险
过桥贷款让你在旧房交割前先拿下新房。本文讲清安省过桥贷款怎么运作、利息怎么按天算（差额 × 利率 × 天数 / 365）、为什么必须先有 firm sale、期限多长、要花多少钱、以及最大的风险在哪里。
How a HELOC Works in Canada: Limits, Risks, and Smart Uses
A standalone HELOC in Canada lets you borrow up to 65% of your home's value; combined with a mortgage, total borrowing is capped at 80% LTV. Here's how a HELOC works, the interest-only trap, HELOC vs refinance vs second mortgage, and smart vs risky uses.
HELOC 房屋净值信贷额度怎么用：能借多少、利息怎么算、什么时候别碰
加拿大 HELOC（房屋净值信贷额度）单独最多借房屋价值的 65%，与房贷合计封顶 80% LTV。本文讲清运作机制、只还利息的隐患、HELOC 与再融资和二按的区别，以及哪些用途聪明、哪些危险。
Canada’s Mortgage Stress Test in 2026: How the Qualifying Rate Works
In 2026 Canada's mortgage stress test (the OSFI B-20 minimum qualifying rate) is still the greater of your contract rate + 2% or a 5.25% floor. Here's how it's calculated, who it applies to, the late-2024 switch-at-renewal exemption, and how it shapes your buying power.
2026 加拿大房贷压力测试：合格利率怎么算、谁受影响、续约换银行还要不要测
2026 年加拿大房贷压力测试（OSFI B-20 最低合格利率）仍是“合约利率 +2%”与 5.25% 取高者。本文讲清这条规则怎么算、谁受约束、2024 年底取消的“原样转贷免测”新规，以及它如何影响你的购买力。
FHSA 首次购房储蓄账户：2026 年华人首付攻略（一年存 $8,000，提款全免税）
在加拿大想买第一套房，FHSA 是目前最划算的攒首付工具。本文讲清 2026 年的额度、谁能开、怎么和 RRSP/TFSA 配合，以及华人买家最常踩的坑。
从财务规划角度看：移居加拿大值不值？
移居加拿大是一项重大财务决定。本文从资产配置、货币与地域分散、教育医疗、税务与房产持有成本等角度，理性评估其财务利弊，不卖焦虑也不唱赞歌。
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