Debt and Refinance

Prepare for mortgage renewal with tips on comparing rates, reviewing your budget, checking prepayment options, and choosing your next term.

Learn why your mortgage was not approved and what income, credit, debt, documents, and appraisal issues may mean for your next steps.

Learn why Canadian home owners should follow the Bank of Canada and how rate decisions can affect mortgages, renewals, and budgets.

Planning for retirement as a home owner? Learn how to review your mortgage, budget, debt, savings, and future housing plans.

Learn what can impact your credit positively or negatively, from payment history and balances to credit applications, debt, and report errors.

Learn how to choose the right property type for your budget by comparing homes, condos, townhouses, and income properties.

Learn how to determine what you can afford to spend on a house by reviewing income, debt, down payment, lifestyle, and full ownership costs.

Learn how gifted down payments and mortgage co-signers work, and which option may better support your mortgage application.

Take a mid-year financial check-in to review your goals, budget, debt, and savings so you can finish the year with more clarity and control.

Learn how to strengthen your credit profile for homeownership with practical steps to improve your score and qualify for better mortgage options.