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● Canadian mortgage insights
A little knowledge.
A little knowledge.
A clearer conversation.
Short, practical starting points for the questions Canadian homebuyers and homeowners ask most.
Buying a first home
Mortgage renewal
Comparing mortgages
Buying a first home
3 min read
Pre-approval is a starting point.
A pre-approval can help frame the conversation about borrowing possibilities. It is not final approval — a lender still reviews the application, documents, property and conditions.
Ask: What does it cover, how long does it apply, and what could change it? Read the official FCAC guidance ↗
Mortgage renewal
3 min read
Your renewal deserves a fresh conversation.
Renewal is a useful time to review your needs and compare your current lender's offer with other options. Give yourself time to understand the terms and any switching costs.
Bring: Your renewal date and current mortgage details. Read the official FCAC guidance ↗
Comparing mortgages
2 min read
Look beyond the headline rate.
A rate is one part of a mortgage. The term, payment structure, flexibility, fees and potential prepayment charges also affect how a product fits your plans.
Ask: For the full comparison and an explanation of the conditions. Read the official FCAC guidance ↗
Free · 2-page PDF
Turn these insights into a checklist.
The Canadian Mortgage Conversation Kit helps you organise goals, costs and questions in one place.
Download the free kit ↓
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