Ottawa Wants Clearer Mortgage Penalties. Will Ontario Homeowners Pay Less?
Budget 2026 proposes clearer mortgage prepayment-penalty information, not lower fees. See what Ontario homeowners should compare before selling, switching or refinancing.
-
-
What Is Loan-to-Value (LTV) in a Mortgage?
How LTV affects how much you can borrow, your mortgage rate, and how lenders value your property.
-
Ontario’s New Digital ID: Could It Stop Mortgage Fraud—or Create New Risks?
Ontario plans optional digital IDs. Could they prevent mortgage and title fraud—or introduce new security risks? What Ontario homeowners need to know.
-
25-Year vs. 30-Year Mortgage Amortization
The difference between a 25-year and 30-year mortgage can cost you tens of thousands of…
-
How Does a Bank Analyze Your Income for a Mortgage?
You can earn a lot of money and still have a bank tell you that…
-
High-Ratio Mortgages: What Happens When You Put Less Than 20% Down?
What happens when you buy a home with less than 20% down? Here’s how high-ratio mortgages, mortgage insurance, down payments and insured rates work.
-
What Is the Mortgage Stress Test? GDS and TDS Explained
How Canada’s mortgage stress test uses GDS and TDS to determine how much mortgage you can qualify for.
-
Mortgage Refinancing in Ontario
Learn how mortgage refinancing works in Ontario, including equity limits, stress-test rules, penalties, costs, debt consolidation and qualification.
-
