Home buying
Mortgages, pre-approval and borrowing against your home.
Home buyingRRSP Home Buyers’ Plan (2026): a loan from your future selfThe Home Buyers’ Plan lets a first-time buyer take up to $60,000 out of their RRSP to buy a home, with no tax…Nov 1, 2026 · 8 minRead 
Home buyingMortgage renewal in Canada: when to start, how to switch and what to negotiateYour lender must send a renewal statement at least 21 days before your mortgage term ends, but you should start…Oct 22, 2026 · 6 minRead 
Home buyingMortgage default insurance (CMHC) in Canada: when you need it and what it costsMortgage default insurance, often called CMHC insurance, is required in Canada when your down payment is under 20%.Oct 21, 2026 · 6 minRead 
Home buyingFirst-time home buyer programs in Canada (2026): every federal and provincial benefitAs a first-time home buyer in Canada you can save up to $40,000 tax-free in an FHSA, borrow up to $60,000 from…Oct 16, 2026 · 8 minRead 
Home buyingLand transfer tax in Canada: rates by province and first-time buyer rebatesLand transfer tax is a one-time tax you pay when you buy property and the deed is registered, usually on closing…Oct 4, 2026 · 6 minRead 
Home buyingWhat is a HELOC? Home equity line of credit vs home equity loanA home equity line of credit, or HELOC, lets you borrow against the part of your home you own, as much or as…Sep 28, 2026 · 7 minRead 
Home buyingWhat is a reverse mortgage? How it works in CanadaA reverse mortgage lets homeowners, usually aged 55 or older, turn part of their home equity into tax-free money…Sep 25, 2026 · 6 minRead 
Home buyingHow to get pre-approved for a mortgage in CanadaA mortgage pre-approval tells you roughly how much a lender may lend you and can hold an interest rate while you…Sep 21, 2026 · 6 minRead
General information for Canadians, not financial, tax or legal advice. Each note lists the official pages it was written from. See our methodology.