{"id":74243,"date":"2024-09-25T10:48:33","date_gmt":"2024-09-25T17:48:33","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=74243"},"modified":"2024-09-25T10:48:40","modified_gmt":"2024-09-25T17:48:40","slug":"new-mortgage-rules-help-or-harm","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm","title":{"rendered":"Canada\u2019s New Mortgage Rules: Help Or Harm For Housing?"},"content":{"rendered":"\n

It\u2019s not often that Canada shakes up its residential mortgage rules, so when the Department of Finance announced<\/a> two changes to the nation\u2019s lending guidelines on September 16, it raised the eyebrows, pulses and the expectations of many with a stake in the country\u2019s housing market.\u00a0<\/p>\n\n\n\n

According to the announcement, the cap on insured mortgages will be increased from $1 million to $1.5 million, while 30-year amortizations will be available to all first-time home buyers<\/a> and anyone purchasing new construction. These changes will go into effect December 15, 2024.<\/p>\n\n\n\n

Both measures are intended to improve affordability for thousands of Canadians. The benefits will be short-lived if a widespread boost to buying power triggers a run-up in home prices. <\/p>\n\n\n\n

Let\u2019s take a look at the impending changes and see whether they\u2019ll help or hinder your pursuit of a home.<\/p>\n\n\n\n\n

\n
\n
\n
Find the Best 5-Year Fixed Mortgage Rates<\/span>
\n<\/path>\n<\/path>\n<\/path>\n<\/svg>\n<\/div><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
\n
\n
Browse Current Mortgage Rates<\/span>
\n<\/path>\n<\/path>\n<\/path>\n<\/svg>\n<\/div><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
\n
\n
Compare Variable Mortgage Rates<\/span>
\n<\/path>\n<\/path>\n<\/path>\n<\/svg>\n<\/div><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n\n

Smaller down payments, more debt<\/h2>\n\n\n\n

Homes worth $1 million or more aren’t eligible for mortgage default insurance<\/a>, and require buyers to make a 20% down payment. Once the insured mortgage limit increases, a 20% down payment will only be mandatory for homes worth more than $1.5 million.\u00a0<\/p>\n\n\n\n

Canada\u2019s minimum down payment structure<\/a> will be left as-is. A buyer will be able to put down $75,000 on a million-dollar home rather than the $200,000 that\u2019s currently required.<\/p>\n\n\n\n

\u201cPlain old housing affordability really benefited from the move,\u201d says Phil Soper, president and CEO of Royal LePage.<\/p>\n\n\n\n

\u201cThe housing market\u2019s gone through the most significant downturn since the early nineties, so it\u2019s a good time to introduce a program that will stimulate it. The market can handle it without overblown house price inflation,\u201d Soper says.<\/p>\n\n\n\n

That\u2019s debatable. <\/p>\n\n\n\n

Improved affordability, plus falling interest rates, plus years of pent-up demand sounds an awful lot like the formula for a feeding frenzy. Soper himself admits home prices could see double-digit increases by the second quarter of 2025.<\/p>\n\n\n\n

What\u2019s certain is that lower down payments create larger mortgages, higher interest costs and potentially gargantuan monthly payments<\/a>.\u00a0<\/p>\n\n\n\n

Those who can get approved, especially those using the minimum down payment allowable, are going to be pancaked by their mortgages.<\/p>\n\n\n\n

\u201cA <\/strong>family that couldn’t afford a $1 million home, we’re going to let them put $100,000 down on a $1.5 million mortgage. So now they’re going to owe $1.4 million, and that CMHC [insurance] premium is probably going to be another $100,000,\u201d says Chris Turcotte, president of Centum Financial Group.<\/p>\n\n\n\n

In Turcotte\u2019s scenario, a 4% interest rate and a 25-year amortization would generate total mortgage costs of just under $2.3 million. The monthly payment required to make the math work? $7,659.<\/p>\n\n\n\n

\u201cAnd we get to pat ourselves on the back that we made homeownership more available \u2014 not more affordable, because that’s the last thing we’ve done,\u201d Turcotte says.<\/p>\n\n\n\n

The cost of increasing housing supply<\/h2>\n\n\n\n

Under the new rules, first-time buyers and all buyers of new-build homes will have access to 30-year amortizations<\/a> on insured mortgages. This guideline builds on a recent tweak, launched August 1, 2024, that made first-timers eligible for 30-year amortizations on new construction.<\/p>\n\n\n\n

Deputy Prime Minister Chrystia Freeland characterized the rule change as \u201ca supply-side measure\u201d during a September 16 news conference. <\/p>\n\n\n\n

\u201cThis is about creating more demand for new builds because we know that, crucially, Canada needs to get more homes built faster. In order to get those homes built faster, more people need to be there buying them,\u201d Freeland said.<\/p>\n\n\n\n

Chris Kolinski of iSask Mortgage Brokers Saskatoon feels the government is putting the cart before the horse on home construction.<\/p>\n\n\n\n

\u201cAt the end of the day, we don’t need more buyers, we need more homes,\u201d Kolinski said in an email. \u201cThe reality is that it costs far too much to build homes right now.\u201d<\/p>\n\n\n\n

There\u2019s also the matter of whether 30-year amortizations are in a first-time home buyers\u2019 best interest.<\/p>\n\n\n\n

By lowering monthly mortgage payments, longer amortizations make mortgages more affordable, but only in the short-term. Kolinski worries that buyers will opt for the longest amortization possible without considering the consequences of an additional five years\u2019 worth of interest. <\/p>\n\n\n\n

\u201cThat extra five years could cost you an additional $100,000 over the life of your mortgage on a $500,000 home, when you could have just gone with the 25-year,\u201d Kolinski said. <\/p>\n\n\n\n

Preparing for the new rules<\/h2>\n\n\n\n

If you\u2019re eyeing a $1 million-plus property and are afraid prices might spike once these new rules kick in, Soper suggests getting into the market well before December 15.<\/p>\n\n\n\n

\u201cIf they feel comfortable, they should be in the market today,\u201d he says. \u201cWe’ve had a surge of listings and a dearth of demand, so there are properties to buy. There is the ability to make an offer without getting involved in a bidding war.\u201d<\/p>\n\n\n\n

Taking advantage of today\u2019s subdued competition, however, means paying today\u2019s mortgage rates. By December 15, another two Bank of Canada rate cuts and softer bond yields could create far cheaper financing options. But who knows where home prices will be by then?<\/p>\n\n\n\n

Turcotte says buyers could consider pushing their closing dates until after December 15, at which point they should be able to renegotiate the terms of their mortgages according to the new rules.  <\/p>\n\n\n\n

If you\u2019re not ready to rush out and buy something just yet, there\u2019s an option for you, too. Ask a mortgage professional to compare how much you might qualify for today versus how much you\u2019ll qualify for on December 15.<\/p>\n\n\n\n

\u201cI think any good mortgage broker should welcome that call,\u201d Turcotte says.<\/p>\n\n\n\n

\n\t
\n\t\t

\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tClay Jarvis<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Clay Jarvis is NerdWallet\u2019s mortgage and real estate expert in Canada. Thus far, his entire professional writing career has revolved around real estate. Prior to joining NerdWallet, he was the…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Clay Jarvis and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

\n\t\t\t\t\t

\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t
\n\t\t\t
\n
\n\t
\n\t\t\t\n\t\t\"What\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tWhat Does a $1 Million Mortgage Feel Like?\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Average home prices in cities like Toronto, Vancouver and Victoria are now north of $1 million. Here’s what it takes to qualify for and afford a $1 million mortgage \u2014 and risks buyers should consider in current market conditions.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Deborah Kearns<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Monthly\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tMonthly Down Payment Monitor: February 2025\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Find out how much you might have to set aside for a down payment on a home in Canada.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tHow Much Does It Cost to Build a House in Canada? (2024)\t<\/a>\n<\/h4>\n\n\t
\n\t\t

The average cost to build a single-family house in Canada\u2019s major cities ranges from $120 to $320 per square foot. Factors that affect cost include location and materials.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\"\"Barry Choi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Why\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tWhy Negotiating Your Mortgage Renewal Rate Is A Must\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Never accept your lender\u2019s initial renewal rate. Negotiating could save you thousands of dollars over the course of your mortgage\u2019s next term. <\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

Two upcoming mortgage rule changes \u2014 affecting down payments and amortization periods \u2014 could have a major impact on your ability to buy a home.<\/p>\n","protected":false},"author":25,"featured_media":74244,"parent":106,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"2024-09-25T17:48:38Z","apple_news_api_id":"ec040914-1a2a-4c4b-b2ff-420b2c268cdf","apple_news_api_modified_at":"2024-09-25T17:48:38Z","apple_news_api_revision":"AAAAAAAAAAD\/\/\/\/\/\/\/\/\/\/w==","apple_news_api_share_url":"https:\/\/apple.news\/A7AQJFBoqTEuy_0ILLCaM3w","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":"GENERAL","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\",\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/ff6f03d3-5d35-4234-ac35-51f87783566e\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[16],"topic":[121],"cluster":[246],"pp_author":[87],"acf":[],"apple_news_notices":[],"yoast_head":"\nCanada\u2019s New Mortgage Rules: Help Or Harm For Housing? - NerdWallet Canada<\/title>\n<meta name=\"description\" content=\"Upcoming changes to Canada's mortgage rules could significantly impact Canadian home buyers. Here's how to prepare.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Canada\u2019s New Mortgage Rules: Help Or Harm For Housing? - NerdWallet Canada\" \/>\n<meta property=\"og:description\" content=\"Upcoming changes to Canada's mortgage rules could significantly impact Canadian home buyers. Here's how to prepare.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm\" \/>\n<meta property=\"og:site_name\" content=\"NerdWallet Canada\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NerdWallet\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-25T17:48:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/09\/GettyImages-1484800420.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2120\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NerdWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Clay Jarvis\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm\",\"url\":\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm\",\"name\":\"Canada\u2019s New Mortgage Rules: Help Or Harm For Housing? - NerdWallet Canada\",\"isPartOf\":{\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/#website\"},\"datePublished\":\"2024-09-25T17:48:33+00:00\",\"dateModified\":\"2024-09-25T17:48:40+00:00\",\"description\":\"Upcoming changes to Canada's mortgage rules could significantly impact Canadian home buyers. Here's how to prepare.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.nerdwallet.com\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mortgages\",\"item\":\"https:\/\/www.nerdwallet.com\/ca\/mortgages\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Canada\u2019s New Mortgage Rules: Help Or Harm For Housing?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/#website\",\"url\":\"https:\/\/www.nerdwallet.com\/ca\/\",\"name\":\"NerdWallet Canada\",\"description\":\"NerdWallet, make all the right money moves.\",\"publisher\":{\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.nerdwallet.com\/ca\/?s={search_term_string}&submit=Search\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/#organization\",\"name\":\"NerdWallet Canada\",\"url\":\"https:\/\/www.nerdwallet.com\/ca\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/NerdWallet-bug.svg\",\"contentUrl\":\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/NerdWallet-bug.svg\",\"width\":1,\"height\":1,\"caption\":\"NerdWallet Canada\"},\"image\":{\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/NerdWallet\",\"https:\/\/twitter.com\/NerdWallet\",\"https:\/\/www.instagram.com\/NerdWallet\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Canada\u2019s New Mortgage Rules: Help Or Harm For Housing? - NerdWallet Canada","description":"Upcoming changes to Canada's mortgage rules could significantly impact Canadian home buyers. Here's how to prepare.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm","og_locale":"en_US","og_type":"article","og_title":"Canada\u2019s New Mortgage Rules: Help Or Harm For Housing? - NerdWallet Canada","og_description":"Upcoming changes to Canada's mortgage rules could significantly impact Canadian home buyers. Here's how to prepare.","og_url":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm","og_site_name":"NerdWallet Canada","article_publisher":"https:\/\/www.facebook.com\/NerdWallet","article_modified_time":"2024-09-25T17:48:40+00:00","og_image":[{"width":2120,"height":1414,"url":"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/09\/GettyImages-1484800420.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@NerdWallet","twitter_misc":{"Est. reading time":"5 minutes","Written by":"Clay Jarvis"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm","url":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm","name":"Canada\u2019s New Mortgage Rules: Help Or Harm For Housing? - NerdWallet Canada","isPartOf":{"@id":"https:\/\/www.nerdwallet.com\/ca\/#website"},"datePublished":"2024-09-25T17:48:33+00:00","dateModified":"2024-09-25T17:48:40+00:00","description":"Upcoming changes to Canada's mortgage rules could significantly impact Canadian home buyers. Here's how to prepare.","breadcrumb":{"@id":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/new-mortgage-rules-help-or-harm#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.nerdwallet.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Mortgages","item":"https:\/\/www.nerdwallet.com\/ca\/mortgages"},{"@type":"ListItem","position":3,"name":"Canada\u2019s New Mortgage Rules: Help Or Harm For Housing?"}]},{"@type":"WebSite","@id":"https:\/\/www.nerdwallet.com\/ca\/#website","url":"https:\/\/www.nerdwallet.com\/ca\/","name":"NerdWallet Canada","description":"NerdWallet, make all the right money moves.","publisher":{"@id":"https:\/\/www.nerdwallet.com\/ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.nerdwallet.com\/ca\/?s={search_term_string}&submit=Search"},"query-input":"required name=search_term_string"}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/www.nerdwallet.com\/ca\/#organization","name":"NerdWallet Canada","url":"https:\/\/www.nerdwallet.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/www.nerdwallet.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/NerdWallet-bug.svg","contentUrl":"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/NerdWallet-bug.svg","width":1,"height":1,"caption":"NerdWallet Canada"},"image":{"@id":"https:\/\/www.nerdwallet.com\/ca\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/NerdWallet","https:\/\/twitter.com\/NerdWallet","https:\/\/www.instagram.com\/NerdWallet"]}]}},"_links":{"self":[{"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/pages\/74243"}],"collection":[{"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/comments?post=74243"}],"version-history":[{"count":8,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/pages\/74243\/revisions"}],"predecessor-version":[{"id":74281,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/pages\/74243\/revisions\/74281"}],"up":[{"embeddable":true,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/pages\/106"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/media\/74244"}],"wp:attachment":[{"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/media?parent=74243"}],"wp:term":[{"taxonomy":"content-classification","embeddable":true,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/content-classification?post=74243"},{"taxonomy":"topic","embeddable":true,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/topic?post=74243"},{"taxonomy":"cluster","embeddable":true,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/cluster?post=74243"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.nerdwallet.com\/ca\/wp-json\/wp\/v2\/pp_author?post=74243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}