Can anyone remember the last time 3-year fixed rates were the lowest widely available conventional mortgage rates? We can’t. But that’s now the case if you’re putting 20% down. For...

In Canada, the cheapest mortgage rates are usually available on insured (or insurable) mortgages. But refinances cannot be insured thanks to rule changes in 2016. That’s been a problem for...

Think you’re going to be materiallybetter off in the next two years? Odds are, you’ll get a bigger mortgage than someone who doesn’t. That’s StatsCan’s finding in this just-releasedstudy. “Families...

If you’ve been waiting for facts on the government’s new First-Time Home Buyer Incentive (FTHBI), read on. In a statement today, CMHC said “we still have work to do” before...

The latest happenings from the rate world: HSBC Won’t Let Up Despite moving to an everyday-low-rate online model a few years ago, competitors keep thinking (or maybe hoping) that HSBC...

It’s been two and a half years since Ontario’s biggest credit union (Meridian) announced its new digital bank (motusbank), and now it’s here. motusbank brings mortgage shoppers one helluva good...

Bond yields have found at least a near-term bottom after four-and-a-half months of declines. That means Canadian fixed mortgage rates may also have found a bottom…for now. Here’s a quick...

Drain your RRSP further to buy a new home. That’s what the government is encouraging with its newly increased RRSP Home Buyers’ Plan (HBP) limit, which just rose from $25,000...

When Scotiabank announced its new “digital mortgage” offering called eHOME, we thought to ourselves, “Oh, how grand, another glorified online application from a big bank.” But after digging into this...

It turns out TD Canada Trust’s “market-moving rate cut” won’t be so market moving, at least not yet. On Sunday, TD slashed a number of fixed rates on its website....