Mortgage basics
5 Things to Do Before Applying for a Mortgage
A practical checklist to help you prepare your finances and documents before starting a mortgage conversation.
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Straightforward articles to help you understand mortgages, renewals and insurance protection.
Mortgages & insurance
Explore the latest articles
General information to help you prepare questions and better understand the options that may be available.
Mortgage renewals
Before You Sign Your Mortgage Renewal Offer
What to compare beyond the rate, why timing matters, and questions worth asking before renewal.
Read article →Insurance education
3 Signs It May Be Time to Review Your Insurance
Life changes can affect your protection needs. Learn what to review and what questions to ask.
Read article →First-time home buyers
First-Time Home Buyer Guide in Ontario
A practical Ontario home-buying guide covering budgeting, mortgage preparation, closing costs and questions to ask.
Read article →Mortgage renewals
Mortgage Renewal Checklist: What to Do Before Your Ontario Renewal
A practical checklist for Ontario homeowners preparing to renew or switch a mortgage.
Read article →Refinancing
Mortgage Refinancing in Ontario: When Might It Make Sense?
Learn what refinancing may help with, what it can cost and what Ontario homeowners should consider first.
Read article →Life insurance
How Much Life Insurance Might Your Family Need?
A practical way to estimate life insurance needs for Ontario families, without relying on a one-size-fits-all number.
Read article →Life insurance
Mortgage Life Insurance vs. Personal Life Insurance: What’s the Difference?
Understand key differences between lender-offered mortgage life insurance and an individual life insurance policy.
Read article →Travel insurance
Travel Insurance for Ontario Residents: What to Check Before You Go
Questions Ontario travellers should ask about emergency medical travel insurance, exclusions and pre-existing conditions.
Read article →These articles are for general information only and are not personalized mortgage, financial or insurance advice.
Mortgage education
The 5 Cs of Credit: What Lenders Look At
Understand five factors lenders may consider when assessing a mortgage application.
Read article →Life insurance education
Term Life vs. Permanent Life Insurance: What’s the Difference?
Learn how term and permanent life insurance differ in duration, premiums and potential uses.
Read article →Mortgage education
What Is the Mortgage Stress Test in Canada?
Learn why lenders test whether borrowers could manage mortgage payments at a higher qualifying rate.
Read article →Ontario home buyers
Ontario Land Transfer Tax: What Home Buyers Should Know
Understand the provincial tax, possible first-time homebuyer refund and closing costs.
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