Homeowner Guides

Plain-language help for buying, owning and selling a home in Canada.

MortgagesHow much mortgage can I afford on my income?Lenders use two debt ratios and a stress test to set your limit. Here is how the math works, step by step.4 min read SellingWhat is my home worth? How valuation really worksAgents, appraisers, tax assessments and online tools each give a different answer. Here is what each one measures.2 min read Money & TaxesWhat are closing costs when you buy a home in Canada?Beyond the down payment, buyers need cash for taxes, legal fees and adjustments. Plan for about 1.5% to 4% of the price.3 min read BuyingRent or buy? How to decide what is right for youBuying is not automatically better than renting. Compare the full costs and your plans.3 min read MarketWhat could mortgage rates look like in 2027?Nobody can predict rates, but we can see what drives them and what forecasters expect.2 min read Money & TaxesLand transfer tax by province: what you will payMost provinces charge a tax when you buy. Rates vary a lot, and some provinces charge none.3 min read

MortgagesHow much down payment do you need in Canada?3 min read MortgagesFixed vs variable mortgage: which one fits you?3 min read MortgagesThe mortgage stress test, explained2 min read MarketHow Bank of Canada decisions affect your mortgage3 min read Renovation & DIYRenovations that add value (and ones that rarely pay off)2 min read BuyingFHSA vs RRSP Home Buyers' Plan: which one should you use?3 min read MortgagesCMHC mortgage insurance: what it costs and when you need it3 min read BuyingFirst-time home buyer checklist for Canada2 min read Money & TaxesFirst-time home buyer tax credits and rebates in Canada2 min read BuyingBuying a condo: what to check beyond the unit3 min read MortgagesMortgage penalties: what it costs to break your mortgage3 min read SellingCapital gains and the principal residence exemption3 min read

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