GUIDE HUB
Home Buying & Mortgages
Buying a home is the biggest financial decision most Canadians will make. Whether you're a first-time buyer or renewing your mortgage, these guides break it all down — no jargon, no judgment.
🍁 2026 Canadian Home Buying Quick Facts
Minimum Down Payment
5% on first $500K, 10% on portion above $500K
FHSA Lifetime Limit
$40,000 ($8,000/year) — tax-free for first home
RRSP Home Buyers' Plan
Withdraw up to $60,000 from RRSP for first home
Stress Test Rate
Contract rate + 2% or 5.25%, whichever is higher
First-Time Home Buyer Guide
Start HereStep-by-step walkthrough for buying your first home in Canada. FHSA, HBP, incentives, and what to expect.
Mortgage Types Explained
EssentialFixed vs variable, open vs closed, conventional vs high-ratio. Understand every mortgage option available in Canada.
Mortgage Rates & How to Get the Best Deal
Save MoneyHow mortgage rates work, where to compare, and negotiation tips that could save you thousands.
Down Payment Guide
PlanningHow much you need, where to save it, and programs that help. Includes FHSA and RRSP Home Buyers' Plan.
Closing Costs Explained
Don't MissThe hidden costs of buying a home. Land transfer tax, legal fees, inspections, and more — budget for all of it.
Renewing & Refinancing Your Mortgage
HomeownersYour mortgage term is ending — now what? How to renew, switch lenders, or refinance for a better deal.
Not Sure Where to Start?
If you're dreaming of buying your first home, start with our First-Time Home Buyer Guide. It walks you through every step from saving to getting the keys.
Start the First-Time Buyer Guide →