Last updated: September 2026. This guide covers the mortgage stress test in Canada. It is educational content, not financial advice. If you are buying a home in Canada, you will almost certainly have to pass the mortgage stress test. It is one of the main reasons buyers qualify for less than they expect, and it
Last updated: September 2026. This guide covers Canadian mortgages. It is educational content, not financial advice. Choosing between a fixed and a variable rate is one of the biggest decisions Canadian homebuyers and renewing homeowners face. In 2026, the choice is especially interesting: variable rates are starting close to a full percentage point below the
Rates last updated: September 23, 2026. This guide covers Canadian mortgages. It is educational content, not financial advice. Mortgage rates in Canada have shifted a lot over the past few years, and in 2026 the gap between fixed and variable rates is one of the widest borrowers have seen in a while. Whether you are