A Team of Experts
Get expert tips and guidance from a community of renown personal finance experts right here at Loans Canada. We're here to help you stay informed so you can make the best financial decisions.
Mortgage Documents Checklist Canada 2026: Everything You Need For Your Application
By Caitlin Wood
Updated on June 4, 2026
Get the full Canadian mortgage documents checklist for 2026: ID, income, down payment, property docs, and what self-employed buyers, newcomers, and re...
The Canadian Mortgage Stress Test In 2026: How It Works And How To Pass It
By Caitlin Wood
Updated on June 3, 2026
Canadian mortgage stress test 2026: qualify at 5.25% or contract rate + 2%. See who's exempt, the Nov 2024 renewal carve-out, and how to pass.
Minimum Credit Score For A Mortgage In Canada (2026)
By Caitlin Wood
Updated on May 22, 2026
Minimum credit score for a mortgage in Canada: 680, but it can vary depending on the lender you choose. See rates, how to improve your score, and your...
How To Get A Long-Term Loan In Canada
By Caitlin Wood
Updated on May 21, 2026
Long term loans are loans with a payment plan of at least five years. Mortgages and even certain personal loans are considered long term.
What Is A Rent-to-Own Home? Definition & Example
By Caitlin Wood
Updated on May 15, 2026
Learn what rent-to-own means, how the agreement works, and whether this path to homeownership makes sense for your situation in Canada.
OSFI Puts Non‑Bank Financial Institutions Back On Its Risk Watchlist
By Lisa Rennie
Updated on April 24, 2026
OSFI has placed non‑bank financial institutions on its risk watchlist, citing rising liquidity & housing‑related risks. Learn more here.
How Are Mortgage Rates Determined?
By Sean Cooper
Updated on February 5, 2026
Planning to buy a home and want to know what rate you'll be charged? Check out this blog post to find out how mortgage rates are determined.
How To Avoid Mortgage Prepayment Penalty Fees
By Sean Cooper
Updated on February 2, 2026
Paying off your mortgage early but worried about being penalized? Read on to find out how to avoid mortgage prepayment penalty fees.
What Do I Do if Mortgage Rates Increase While I’m Trying to Buy a House?
By Lisa Rennie
Updated on January 9, 2026
Sometimes it can take longer to find that perfect house. So what happens when interest rates increase when you're trying to buy a house?
The Lowest Mortgage Rate Might Not Be What You Need
By Lisa Rennie
Updated on December 22, 2025
When shopping around for a mortgage that works for you, the lowerst interest rate might not be your best options. Find out why.
Interest Rate Differential (IRD): Canadian Mortgage Penalty Explained
By Tony Dong, MSc, CETF
Updated on December 10, 2025
Learn how the Interest Rate Differential (IRD) penalty works, why lenders charge it, & how it affects mortgage break costs & refinancing.
Joint Mortgage In Canada: Should You Get One?
By Lisa Rennie
Updated on December 9, 2025
Looking to buy a house and grow your wealth but reduce your financial burden? You may want to consider getting a joint mortgage in Canada.
