Understand the number before you sign it.
Guides, rate-decision analysis and data reports — written plainly and sourced so you can check the work.
Rate news
What the June rate cut does to your renewal
The Bank of Canada moved 25 bps. We translate it into what a renewing borrower actually pays.
Data report
The 2026 renewal wall, in one chart
Over a million mortgages renew this year at higher rates. The payment shock, by region.
Pillar guide
Fixed vs variable, decided by math
Rate certainty versus expected cost, with the break-even that decides it.
Guide
The stress test, explained without jargon
Why lenders qualify you at a higher rate, and the income the home you want really needs.
Guide
Refinance or HELOC — which fits?
Two ways to tap equity, the costs of each, and when to use one over the other.
Local
Buying in Toronto: the local math
Benchmark prices, the double land transfer tax, and the income to qualify in the GTA.