interest rates

Comparison of the monthly payment you pay at a 4.5% contract rate and the higher payment you must qualify at under the stress test

Buying Properties

Fixed or variable? And the mortgage stress test, explained

September 28, 2026 4 min read

Bar chart of a 25-year mortgage showing interest shrinking and principal growing each year, with the crossover in year 10

Buying Properties

How a mortgage works in Ontario: term, amortization, rate and payment

September 28, 2026 4 min read