Mortgage Basics Guides
The fundamentals: how mortgages work in Canada, key terms and the rules that matter.
Insured, Insurable or Uninsured: Why Your Mortgage Rate Depends on It
The same lender can quote three different rates on the same day. Which one you get depends on whether your mortgage is insured, insurable or uninsured.
Read →Alberta Land Transfer Tax: What Buyers Actually Pay
Alberta has no percentage based land transfer tax. You pay two small Land Titles fees instead.
Read →Mortgage Basics: Term vs Amortization
Term and amortization are the two most confused mortgage words. The difference, and why it matters.
Read →Prepayment Privileges and Mortgage Penalties Explained
Prepayment privileges help you pay your mortgage off faster. Penalties are what it costs to break it early. How both work.
Read →CMHC Mortgage Insurance Explained: Premiums, Rules and Who Needs It
Put less than 20% down and you'll pay mortgage default insurance. How it works and what it costs.
Read →How Much Income Do You Need to Buy a Home in Calgary?
The income you need depends on price, down payment, debts and the stress test. Here are realistic examples.
Read →Ready to Get Started?
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