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Welcome to the Mortgages for Less blog! Here, you'll find expert advice, industry news, and helpful tips to guide you through every step of your home financing journey. Whether you're a first-time homebuyer or looking to refinance, our blog is your go-to resource for staying informed and making smart mortgage decisions.

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October 26, 2026
At one Canadian mortgage insurer, Calgary and Edmonton rank #1 and #2 for insured high-ratio mortgages. Alberta: 12% of people, a quarter of its book.
October 23, 2026
The Bank of Canada has held at 2.25% since 2025, but the 5-year bond rose a full point in 2026. How much is oil, how much is government debt, and is AI to blame?
October 23, 2026
A real case study: after a bankruptcy triggered by a first responder’s on-the-job injury, a family rebuilt their credit, restructured their income and bought a $395,000 home with 5% down — proof that buying a home after bankruptcy in Canada is possible.
October 22, 2026
A Calgary couple's new house had Poly-B that had to come out. $28,734 of plumbing, drywall and paint went into the mortgage for about $145 a month.
October 19, 2026
About 44% of insured applications using a 30-year amortization would have failed at 25 years. The $1.5M cap touches under 2% of Alberta files.
October 16, 2026
Edmonton homes under $450,000 had about 3 months of inventory this fall; $650,000 to $800,000 homes had 7.6. What that means if you're ready to move up.
October 16, 2026
They assumed credit counselling had shut them out of home ownership. Instead this Alberta couple bought a brand-new home just east of Calgary, using RRSPs through the Home Buyers' Plan and qualifying for an insured mortgage at 4.19%. A real case study.
October 14, 2026
Canada lost 68,000 jobs in September 2026 while Alberta added 23,000. Hike odds for October 28 fell to about 25%, but fixed rates haven't dropped.
October 12, 2026
The Bank of Canada held at 2.25%, but the 5-year bond yield rose 0.70 points from June to September. If your summer rate hold expires, your budget can shrink.

October 26, 2026
Why Calgary and Edmonton Are Canada’s Two Biggest Cities for First-Time Buyer Mortgages
At one Canadian mortgage insurer, Calgary and Edmonton rank #1 and #2 for insured high-ratio mortgages. Alberta: 12% of people,
Read more
October 23, 2026
Is Government Borrowing Why Canadian Mortgage Rates Went Up? (And Is AI Next?)
The Bank of Canada has held at 2.25% since 2025, but the 5-year bond rose a full point in 2026.
Read more
October 23, 2026
Bankrupt in 2020, Homeowners in 2026: Getting a Mortgage After Bankruptcy
A real case study: after a bankruptcy triggered by a first responder’s on-the-job injury, a family rebuilt their credit, restructured
Read more
October 22, 2026
Can you add the cost of replacing Poly-B to your mortgage when you buy?
A Calgary couple's new house had Poly-B that had to come out. $28,734 of plumbing, drywall and paint went into
Read more
October 19, 2026
Did the 30-Year Amortization Actually Help First-Time Buyers Qualify? What the Insurer Data Shows
About 44% of insured applications using a 30-year amortization would have failed at 25 years. The $1.5M cap touches under
Read more
October 16, 2026
Sell High, Buy Calm: Is This Edmonton’s Move-Up Window?
Edmonton homes under $450,000 had about 3 months of inventory this fall; $650,000 to $800,000 homes had 7.6. What that
Read more
October 16, 2026
How an Alberta Couple Bought Their First Home After Credit Counselling
They assumed credit counselling had shut them out of home ownership. Instead this Alberta couple bought a brand-new home just
Read more
October 14, 2026
Canada Lost 68,000 Jobs. Alberta Added 23,000. What It Means for Your Mortgage
Canada lost 68,000 jobs in September 2026 while Alberta added 23,000. Hike odds for October 28 fell to about 25%,
Read more
October 12, 2026
Pre-Approved This Summer? Why Fixed Rates Rose While the Bank of Canada Held
The Bank of Canada held at 2.25%, but the 5-year bond yield rose 0.70 points from June to September. If
Read more