{"id":106,"date":"2021-06-22T13:58:07","date_gmt":"2021-06-22T20:58:07","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=106"},"modified":"2025-04-28T09:52:05","modified_gmt":"2025-04-28T16:52:05","slug":"mortgages","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/mortgages","title":{"rendered":"Mortgages"},"content":{"rendered":"\n<div class=\"wp-block-nerdwallet-blocks-hero c-block-hero has-000000-color has-text-color\" style=\"max-width:100%;background-image:url(https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/NerdWallet-bug.svg)\"><div class=\"c-block-hero__wrapper container\"><h1 class=\"c-block-hero__title\">Mortgages<\/h1><div class=\"c-block-hero__intro\">Our mortgage tools, calculators, tips and articles will help you navigate Canada&#8217;s housing market with ease.<\/div>\n<div class=\"wp-block-nerdwallet-blocks-icon-panel-list c-block-icon-panel-list__wrapper container\"><ul class=\"c-block-icon-panel-list__items container\">\n<li class=\"wp-block-nerdwallet-blocks-icon-panel c-block-icon-panel__wrapper\"><a class=\"c-block-icon-panel__link c-block-icon-panel__shadow-small c-block-icon-panel__border-radius-small\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/current-mortgage-rates\"><div class=\"c-block-icon-panel__icon\" data-id=\"23950\" style=\"background-image:url(https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/02\/Screenshot-2023-02-14-at-10.26.41-AM.png)\"><\/div><div class=\"c-block-icon-panel__text\"> Current Mortgage Rates<\/div><\/a><\/li>\n\n\n\n<li class=\"wp-block-nerdwallet-blocks-icon-panel c-block-icon-panel__wrapper\"><a class=\"c-block-icon-panel__link c-block-icon-panel__shadow-small c-block-icon-panel__border-radius-small\" style=\"background-color:white\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/variable-mortgage-rates\"><div class=\"c-block-icon-panel__icon\" data-id=\"45244\" style=\"background-image:url(https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/09\/Screenshot-2023-09-18-at-7.06.00-PM.png)\"><\/div><div class=\"c-block-icon-panel__text\">Best Variable Mortgage Rates<\/div><\/a><\/li>\n\n\n\n<li class=\"wp-block-nerdwallet-blocks-icon-panel c-block-icon-panel__wrapper\"><a class=\"c-block-icon-panel__link c-block-icon-panel__shadow-small c-block-icon-panel__border-radius-small\" style=\"background-color:white\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/5-year-fixed-mortgage-rates\"><div class=\"c-block-icon-panel__icon\" data-id=\"12923\" style=\"background-image:url(https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/10\/Screen-Shot-2022-10-11-at-6.35.55-PM.png)\"><\/div><div class=\"c-block-icon-panel__text\">Best 5-Year Fixed Mortgage Rates<\/div><\/a><\/li>\n\n\n\n<li class=\"wp-block-nerdwallet-blocks-icon-panel c-block-icon-panel__wrapper\"><a class=\"c-block-icon-panel__link c-block-icon-panel__shadow-small c-block-icon-panel__border-radius-small\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/calculators\/mortgages\/canada-mortgage-payment-calculator\"><div class=\"c-block-icon-panel__icon\" data-id=\"23948\" style=\"background-image:url(https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/02\/Screenshot-2023-02-14-at-10.23.27-AM.png)\"><\/div><div class=\"c-block-icon-panel__text\">Mortgage Payment Calculator<\/div><\/a><\/li>\n\n\n\n<li class=\"wp-block-nerdwallet-blocks-icon-panel c-block-icon-panel__wrapper\"><a class=\"c-block-icon-panel__link c-block-icon-panel__shadow-small c-block-icon-panel__border-radius-small\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/calculators\/mortgages\/canada-mortgage-affordability-calculator\"><div class=\"c-block-icon-panel__icon\" data-id=\"23949\" style=\"background-image:url(https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/02\/Screenshot-2023-02-14-at-10.26.00-AM.png)\"><\/div><div class=\"c-block-icon-panel__text\">Mortgage Affordability Calculator<\/div><\/a><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns has-lightest-blue-background-color has-background is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-group alignwide is-vertical is-content-justification-center is-layout-flex wp-container-core-group-layout-1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading has-text-align-center has-large-font-size\" id=\"patron\">Mortgage Calculator<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\" \/>\n\n\n\n<p class=\"\">Estimate your monthly mortgage payments, total interest costs and mortgage insurance fees.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-white-color has-brand-dark-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/calculators\/mortgages\/canada-mortgage-payment-calculator\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">Estimate your monthly mortgage payment<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center has-text-color has-background has-link-color wp-elements-bb0a7c2f5ea373e20afa1844dbc3452e is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#ffe97d;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<h2 class=\"wp-block-heading is-style-default has-large-font-size\" id=\"single\">How much house can I afford?<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\" \/>\n\n\n\n<p class=\"\">See how your interest rate, down payment and debt ratios affect your housing budget.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/calculators\/mortgages\/canada-mortgage-affordability-calculator\" style=\"border-radius:0px;background-color:#000000;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">CALCULATE YOUR AFFORDABILITY<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-text-color has-background has-link-color wp-elements-c53c5795fd3ef48b0677672b944cafbf is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#d1d1e1;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<h2 class=\"wp-block-heading has-large-font-size\" id=\"family\">What\u2019s the best mortgage rate for me?<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<p class=\"\">Shop customized mortgage rates from Canada\u2019s best lenders and brokers for free \u2013 all in one place.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/mortgage-rates-canada\" style=\"background-color:#000000;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">COMPARE BEST MORTGAGE RATES<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-text-color has-background has-link-color wp-elements-062e5fe4fd97b829fc24a6ebf325a574 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#c0ebf1;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<h2 class=\"wp-block-heading has-large-font-size\" id=\"patron\">Am I ready to close on a property?<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<p class=\"\">Estimate your closing costs \u2014 the one-time, upfront expenses you\u2019ll pay before receiving the keys.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-layout-4 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/p\/calculators\/mortgages\/closing-costs-calculator\" style=\"background-color:#000000;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">DETERMINE YOUR CLOSING COSTS<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-brand-dark-green-color has-alpha-channel-opacity has-brand-dark-green-background-color has-background\" \/>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-constrained wp-block-column-is-layout-constrained\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"330\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/House-1.png\" alt=\"\" class=\"wp-image-5036\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/House-1.png 350w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/House-1-300x283.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/House-1-308x290.png 308w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/House-1-223x210.png 223w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/House-1-100x94.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/House-1-40x38.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/House-1-150x141.png 150w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-constrained wp-block-column-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30);flex-basis:66.67%\">\n<h2 class=\"wp-block-heading has-large-font-size\">NerdWallet Mortgage Lenders Reviews<\/h2>\n\n\n\n<p class=\"\">Shopping for a mortgage? We\u2019ve reviewed Big Banks, brokers, B Lenders and online-only lenders to help you finance your home purchase, refinance or renewal with confidence.<\/p>\n\n\n\n<div class=\"wp-block-buttons has-custom-font-size has-medium-font-size is-content-justification-left is-layout-flex wp-container-core-buttons-layout-5 wp-block-buttons-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 has-custom-font-size aligncenter has-small-font-size\"><a class=\"wp-block-button__link has-white-color has-green-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/reviews\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">Read Our Mortgage REVIEWS<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-brand-dark-green-color has-alpha-channel-opacity has-brand-dark-green-background-color has-background\" \/>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"c-block-tabs-wrapper \">\n\t<div role=\"tablist\" aria-label=\"Tabs\" class=\"c-block-tabs\">\n\t\t\t\t\t<div class=\"c-block-tabs__tab c-block-tabs__tab--active\"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"true\"\n\t\t\t\t aria-controls=\"0\"\n\t\t\t\t id=\"tab-0\"\n\t\t\t\t data-tabid=\"0\">Ontario<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"1\"\n\t\t\t\t id=\"tab-1\"\n\t\t\t\t data-tabid=\"1\">Alberta<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"2\"\n\t\t\t\t id=\"tab-2\"\n\t\t\t\t data-tabid=\"2\">British Columbia<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"3\"\n\t\t\t\t id=\"tab-3\"\n\t\t\t\t data-tabid=\"3\">Saskatchewan<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"4\"\n\t\t\t\t id=\"tab-4\"\n\t\t\t\t data-tabid=\"4\">Manitoba<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"5\"\n\t\t\t\t id=\"tab-5\"\n\t\t\t\t data-tabid=\"5\">Nova Scotia<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"6\"\n\t\t\t\t id=\"tab-6\"\n\t\t\t\t data-tabid=\"6\">New Brunswick<\/div>\n\t\t\t\t<\/div>\n\n\t<div class=\"c-block-tabs-all\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-tabs\">\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"0\" role=\"tabpanel\" aria-labelledby=\"tab-0\">\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/mortgage-rates-ontario\">Best Ontario Mortgage Rates<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/calculators\/mortgages\/canada-mortgage-payment-calculator\">Ontario Mortgage Payment Calculator<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/first-time-home-buyer-ontario\">Ontario First-Time Home Buyer Guide<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/mortgage-renewal-ontario\">Guide to Mortgage Renewal in Ontario<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/guide-to-refinancing-a-mortgage-in-ontario\">Guide to Refinancing a Mortgage in Ontario<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/reverse-mortgage-ontario\">Guide to Reverse Mortgages in Ontario<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"1\" role=\"tabpanel\" aria-labelledby=\"tab-1\">\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/mortgage-rates-alberta\">Best Alberta Mortgage Rates<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/current-mortgage-rates-in-calgary-alberta\">Best Mortgage Rates in Calgary<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-calculator-alberta\">Alberta Mortgage Payment Calculator<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/first-time-home-buyer-alberta\">Alberta First-Time Home Buyer Guide<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"2\" role=\"tabpanel\" aria-labelledby=\"tab-2\">\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/mortgage-rates-bc\">Best B.C. Mortgage Rates<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bc-mortgage-payment-calculator\">B.C. Mortgage Payment Calculator<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/first-time-home-buyer-bc\">B.C. First-Time Home Buyer Guide<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/mortgage-renewal-bc\">Guide to Mortgage Renewal in B.C.<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/guide-to-refinancing-a-mortgage-in-bc\">Guide to Refinancing a Mortgage in B.C.<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/article\/mortgages\/reverse-mortgage-bc\">Guide to Reverse Mortgages in B.C.<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"3\" role=\"tabpanel\" aria-labelledby=\"tab-3\">\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/mortgage-rates-saskatchewan\">Best Saskatchewan Mortgage Rates<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/saskatchewan-mortgage-calculator\">Saskatchewan Mortgage Payment Calculator<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"4\" role=\"tabpanel\" aria-labelledby=\"tab-4\">\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/mortgage-rates-manitoba\">Best Manitoba Mortgage Rates<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/manitoba-mortgage-calculator\">Manitoba Mortgage Payment Calculator<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-rates-winnipeg-manitoba\">Best Winnipeg Mortgage Rates<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"5\" role=\"tabpanel\" aria-labelledby=\"tab-5\">\n<ul class=\"\">\n<li class=\"has-normal-font-size\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/mortgage-rates-nova-scotia\">Best Nova Scotia Mortgage Rates<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"6\" role=\"tabpanel\" aria-labelledby=\"tab-6\">\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/mortgages\/mortgage-rates-new-brunswick\">Best New Brunswick Mortgage Rates<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group nerdwallet-blocks-pattern-001 is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-large-font-size\">Mortgage guide<\/h2>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-accordion\"><div class=\"c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\"><div class=\"c-block-accordion-item c-block-accordion-item--active\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Understanding mortgages<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t<section class=\"c-block-card-grid container\">\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-4442\" class=\"c-block-card post-4442 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-basics cluster-mortgage-glossary\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-meaning\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"198\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/GettyImages-1283983283-e1646260806140-460x198.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What Is a Mortgage?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-meaning\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat Is a Mortgage?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Mortgages are loans used to buy a house or other property. Mortgages require you to make monthly principal and interest payments over a period of several years.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/kurt-woock-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kurt Woock<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-4442 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1421\" class=\"c-block-card post-1421 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-basics cluster-mortgage-glossary\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-does-a-mortgage-work\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"191\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/How-does-a-mortgage-work-in-Canada-e1627681511769-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How Does a Mortgage Work in Canada?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-does-a-mortgage-work\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow Does a Mortgage Work in Canada?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A mortgage is a loan to buy a home. Once it&#8217;s paid off, you own the home free and clear.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/kurt-woock-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kurt Woock<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1421 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-7777\" class=\"c-block-card post-7777 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-basics cluster-types-of-mortgages\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/types-of-mortgages\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"198\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/GettyImages-1289183421-e1656614265926-460x198.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Different Types of Mortgages in Canada: Which Is Right for You?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/types-of-mortgages\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tDifferent Types of Mortgages in Canada: Which Is Right for You?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>There are many types of mortgages in Canada. Common home loan options, like, closed and conventional are just the beginning.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-7777 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-30831\" class=\"c-block-card post-30831 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-basics cluster-types-of-mortgages\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/what-is-a-halal-mortgage\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"435\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/04\/GettyImages-1387017849-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What Is a Halal Mortgage?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/what-is-a-halal-mortgage\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat Is a Halal Mortgage?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Halal mortgages allow Muslims to finance home purchases while staying within the guidelines of their faith, which prohibits the payment of interest. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/nora-dunn\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Nora-Dunn-The-Professional-Hobo-0035-e1637619627161-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Nora Dunn<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-30831 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Mortgage Affordability and how to apply<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t<section class=\"c-block-card-grid container\">\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-23435\" class=\"c-block-card post-23435 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-calculator cluster-all-mortgage-calculators\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/canada-mortgage-affordability-calculator\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"435\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/02\/GettyImages-1369972502-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Calculator: How Much Mortgage Can You Afford?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/canada-mortgage-affordability-calculator\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tCalculator: How Much Mortgage Can You Afford?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Use our mortgage affordability calculator to see how your interest rate, down payment and debt ratios affect your housing budget.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-23435 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-25855\" class=\"c-block-card post-25855 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/paths-to-a-more-affordable-mortgage-payment\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"435\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/03\/GettyImages-526548812-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"4 Paths to a More Affordable Mortgage Payment\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/paths-to-a-more-affordable-mortgage-payment\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t4 Paths to a More Affordable Mortgage Payment\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>If your variable-rate mortgage payments are becoming too high to manage, options like payment deferrals and reamortizing can help keep you on track.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-25855 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-15209\" class=\"c-block-card post-15209 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-basics cluster-applying-for-mortgage\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-apply-for-a-mortgage\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"258\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/11\/GettyImages-1143297762-460x258.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How to Apply for a Mortgage in Canada\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-apply-for-a-mortgage\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Apply for a Mortgage in Canada\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Applying for a mortgage is a multi-step process that includes getting your credit in order, deciding on a home buying budget and getting pre-approved.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/hannah-logan\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Hannah-Logan-e1626212867388-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-15209 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-40307\" class=\"c-block-card post-40307 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-basics cluster-types-of-mortgages\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-get-a-bad-credit-mortgage\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"259\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/GettyImages-1450399230-460x259.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How To Get a Mortgage With Bad Credit\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-get-a-bad-credit-mortgage\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow To Get a Mortgage With Bad Credit\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Having bad credit won&#8217;t necessarily disqualify you from getting a mortgage. Options exist \u2014 but they could be more expensive. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-40307 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Switch or Transfer Mortgages<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t<section class=\"c-block-card-grid container\">\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-39076\" class=\"c-block-card post-39076 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-managing-your-mortgage cluster-mortgage-contracts\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/switch-to-fixed-rate-mortgage\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"372\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/GettyImages-1383117081-372x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Should You Switch to a Fixed Rate For the Rest of Your Mortgage Term?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/switch-to-fixed-rate-mortgage\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tShould You Switch to a Fixed Rate For the Rest of Your Mortgage Term?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Switching your mortgage from a variable to a fixed interest rate can help make your mortgage more affordable if rates are rising.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-39076 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1448\" class=\"c-block-card post-1448 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-managing-your-mortgage cluster-mortgage-contracts\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/porting-a-mortgage-explained\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"191\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/08\/How-Porting-or-Transferring-Your-Mortgage-Works-e1628030738886-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Porting or Transferring a Mortgage\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/porting-a-mortgage-explained\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tPorting or Transferring a Mortgage\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Porting a mortgage applies an existing mortgage contract to a new home purchase. Porting can be less expensive than breaking a mortgage.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/barry-choi\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/BarryChoi-e1626212860872-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Barry Choi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1448 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Mortgage Renewal or Refinance<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t<section class=\"c-block-card-grid container\">\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1550\" class=\"c-block-card post-1550 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-managing-your-mortgage cluster-mortgage-refinancing\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-refinance-mortgage\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"191\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/08\/How-to-Refinance-Your-Mortgage-in-Canada-e1629234593982-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Refinancing a Mortgage in Canada\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-refinance-mortgage\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tRefinancing a Mortgage in Canada\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A mortgage refinance can help you tap into home equity and secure better mortgage terms. Find out how \u2014 and when \u2014 to do it.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1550 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-16190\" class=\"c-block-card post-16190 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-managing-your-mortgage cluster-mortgage-renewal\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/things-to-know-before-mortgage-renewal\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"203\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/11\/GettyImages-1174871767-e1669234449708-460x203.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Preparing For Mortgage Renewal Shock\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/things-to-know-before-mortgage-renewal\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tPreparing For Mortgage Renewal Shock\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p> If your mortgage renews in the coming months, it\u2019s going to sting. Prepare for renewal shock by shopping around and understanding your options.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-16190 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1553\" class=\"c-block-card post-1553 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-managing-your-mortgage cluster-mortgage-renewal\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-mortgage-renewal-works\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"191\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/08\/How-to-Renew-Your-Mortgage-e1629235133694-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How Mortgage Renewal Works In Canada\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-mortgage-renewal-works\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow Mortgage Renewal Works In Canada\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>You\u2019ll likely go through the mortgage renewal process several times before you pay off your mortgage in full. Here\u2019s how to renew a mortgage, including tips for keeping down costs and finding the best deal. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1553 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-24745\" class=\"c-block-card post-24745 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/3-ways-to-take-on-a-budget-busting-mortgage-renewal\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"435\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/02\/GettyImages-1365822258-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"3 Ways to Take on a Budget-Busting Mortgage Renewal\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/3-ways-to-take-on-a-budget-busting-mortgage-renewal\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t3 Ways to Take on a Budget-Busting Mortgage Renewal\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>With interest rates still high, renewing your mortgage probably won\u2019t be the best part of your 2024. If you\u2019re worried about the impending cost of your home loan, keep these strategies in mind.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-24745 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">First Time Home Buyers Programs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t<section class=\"c-block-card-grid container\">\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1436\" class=\"c-block-card post-1436 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-buying-or-selling-real-estate cluster-buying-real-estate\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-guide\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"191\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/08\/First-Time-Home-Buyer-Guide-e1627939673963-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"First-Time Home Buyer In Canada? Here&#8217;s What You Need To Know\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-guide\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tFirst-Time Home Buyer In Canada? Here&#8217;s What You Need To Know\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A little knowledge about the housing market, mortgages and incentive programs can help you afford your first home.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/kurt-woock-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kurt Woock<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1436 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-4949\" class=\"c-block-card post-4949 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-basics cluster-home-buyer-programs-incentives\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-grants-assistance\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"198\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/GettyImages-665870928-e1648569315411-460x198.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"First-Time Home Buyer Grants and Assistance Programs\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-grants-assistance\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tFirst-Time Home Buyer Grants and Assistance Programs\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Various grants and assistance programs in Canada can make it easier and more affordable to buy your first home.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-4949 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-39127\" class=\"c-block-card post-39127 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-buying-or-selling-real-estate cluster-buying-real-estate\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/can-i-use-first-time-home-buyer-twice-canada\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"435\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/GettyImages-1353379498-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How to Use First-Time Home Buyer Plans Twice in Canada\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/can-i-use-first-time-home-buyer-twice-canada\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Use First-Time Home Buyer Plans Twice in Canada\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Some federal housing programs will consider you a first-time home buyer twice \u2014 or more \u2014 if you don\u2019t own a home for four or more years.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-39127 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2246\" class=\"c-block-card post-2246 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-calculator cluster-buying-real-estate\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-tips\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"192\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/10\/GettyImages-1200912156-e1635257072704-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"12 Essential Tips for First-Time Home Buyers\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-tips\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t12 Essential Tips for First-Time Home Buyers\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Saving the right down payment, preparing for the mortgage stress test and looking for assistance programs are tips first-time home buyers can use to reduce stress and save money.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/kurt-woock-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kurt Woock<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/hannah-logan\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Hannah-Logan-e1626212867388-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2246 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Reverse Mortgage Or HELOC<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t<section class=\"c-block-card-grid container\">\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1600\" class=\"c-block-card post-1600 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-second-mortgage cluster-reverse-mortgage\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/what-is-a-reverse-mortgage\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"191\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/08\/How-Older-Homeowners-Can-Use-a-Reverse-Mortgage--e1630363941681-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Reverse Mortgages\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/what-is-a-reverse-mortgage\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tReverse Mortgages\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Homeowners age 55 and older can use a reverse mortgage to receive up to 55% of the current value of their primary residence in cash without selling or refinancing.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1600 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1569\" class=\"c-block-card post-1569 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-second-mortgage cluster-heloc\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/home-equity-line-of-credit-explained\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"191\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/08\/What-is-a-Home-Equity-Line-of-Credit-HELOC-e1629320672447-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"HELOC: What It Is and How It Works\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/home-equity-line-of-credit-explained\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHELOC: What It Is and How It Works\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A home equity line of credit, or HELOC, allows you to borrow money using your home equity as collateral. HELOC\u2019s are variable rate loans with interest-only payments.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/kurt-woock-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kurt Woock<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1569 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-25622\" class=\"c-block-card post-25622 page type-page status-publish has-post-thumbnail hentry content-classification-loans topic-personal-loans cluster-personal-loans\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/loans\/personal-line-of-credit-vs-home-equity-loan\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"435\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/02\/GettyImages-1455178027-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Personal Line of Credit vs Home Equity Loan: How to Choose\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/loans\/personal-line-of-credit-vs-home-equity-loan\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tPersonal Line of Credit vs Home Equity Loan: How to Choose\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A personal line of credit is a type of revolving credit that works similarly to a credit card, and a home equity loan is a lump-sum loan for homeowners.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sandra-macgregor\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Sandra-MacGregor-e1626212852416-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-25622 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-24744\" class=\"c-block-card post-24744 page type-page status-publish has-post-thumbnail hentry content-classification-loans topic-personal-loans cluster-personal-loans\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/loans\/heloc-vs-personal-loan\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"435\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/02\/GettyImages-626930956-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"HELOC vs Personal Loan: How to Choose\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/loans\/heloc-vs-personal-loan\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHELOC vs Personal Loan: How to Choose\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A HELOC is a type of revolving credit available to homeowners with ample equity, while a personal loan is a fixed-sum financing option available to all qualified borrowers.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/hannah-logan\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Hannah-Logan-e1626212867388-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-24744 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n<\/div>\n\t<\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 class=\"c-block-card-grid__title\">\n\t\t\t\tThe Latest\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-three-unlimited\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82574\" class=\"c-block-card post-82574 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-rate-analysis-december-2025-shaky-status-quo-for-housing\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBank of Canada Rate Hold: A Shaky Status Quo for Housing\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82574 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82563\" class=\"c-block-card post-82563 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/buying-or-improving-a-house-use-these-tax-perks\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBuying (or Improving) a House in 2026? Don&#8217;t Miss These Tax Perks\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/deborah-kearns\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/11\/DeborahKearns600x600-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Deborah Kearns<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82563 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82536\" class=\"c-block-card post-82536 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-analysis-october-2025-rate-cut-homebuyers\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBank of Canada Analysis: Is This The Rate Cut Home Buyers Have Been Waiting For?\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82536 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82518\" class=\"c-block-card post-82518 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-sell-your-home-fast-6-expert-tips-for-a-quick-sale\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Sell Your Home Fast: 6 Expert Tips for a Quick Sale\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/deborah-kearns\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/11\/DeborahKearns600x600-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Deborah Kearns<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82518 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82485\" class=\"c-block-card post-82485 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-september-2025-rate-cut-will-it-matter\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tThe Bank of Canada Just Gifted Home Buyers Lower Rates: Will It Matter?\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82485 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82447\" class=\"c-block-card post-82447 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-make-mortgage-renewal-lenders-fight-for-you\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tDon&#8217;t Settle at Renewal: How to Make Mortgage Lenders Fight for You\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/deborah-kearns\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/11\/DeborahKearns600x600-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Deborah Kearns<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82447 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82371\" class=\"c-block-card post-82371 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/heres-how-i-save-money-when-moving\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tI&#8217;ve Moved 12 times in 15 years: Here\u2019s How I Save Money\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/kurt-woock-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kurt Woock<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82371 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82198\" class=\"c-block-card post-82198 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-july-2025-rate-announcement-market-needs-a-trade-deal\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBank of Canada Rate Hold: The Housing Market Needs a Trade Deal\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82198 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82149\" class=\"c-block-card post-82149 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/canadian-housing-market-in-the-first-half-of-2025\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow Bad Was the Canadian Housing Market In the First Half of 2025?\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82149 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82071\" class=\"c-block-card post-82071 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/condo-prices-are-falling\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tCondo Prices Are Falling. Here&#8217;s How Buyers Can Score a Better Deal\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/deborah-kearns\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/11\/DeborahKearns600x600-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Deborah Kearns<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82071 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-82052\" class=\"c-block-card post-82052 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/is-house-sitting-your-ticket-to-cheap-summer-travel\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tIs House Sitting Your Ticket to Cheap Summer Travel?\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-82052 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-81891\" class=\"c-block-card post-81891 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-syndication cluster-mortgage-syndication\">\n\t<div class=\"c-block-card__inner c-block-card__inner--small\">\n\t\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-june-2025-rate-announcement-housing-paralysis\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tA BoC Rate Cut Wouldn&#8217;t Cure Canada&#8217;s Housing Paralysis\t<\/a>\n<\/h4>\n\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-81891 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Our guides, tips and articles will help you navigate Canada&#8217;s housing market with ease. <\/p>\n","protected":false},"author":12,"featured_media":1645,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[16],"topic":[114],"cluster":[222],"pp_author":[34],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgages - NerdWallet Canada<\/title>\n<meta name=\"description\" content=\"Get smart answers to all your mortgage questions. 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