Mortgage Guides
Researched and written by the Canadian Rates editorial team.
Fixed vs variable mortgage: which to pick in Canada
Variable rates usually start cheaper, but fixed locks the payment for five years. We break down when each wins and give you a tool to model your numbers.
Read the guide →How much mortgage can I afford in Canada?
Affordability is bound by GDS/TDS ratios, the federal stress test, and your down payment. Here's how to back into your real number, not the bank's maximum.
Read the guide →