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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 5, 2026
Learn when mortgage default insurance is required in Canada, how its premium works, and how to weigh a smaller down payment against waiting.
October 3, 2026
Greater Edmonton's median home price was $435,000 in September 2026, flat on a year ago. Inventory rose 16.4% and months of supply climbed to 4.1.
October 2, 2026
Calgary's benchmark home price was $566,700 in September 2026, down 0.5% from August and 0.8% from a year ago. Sales held steady at 1,650 and the market stayed balanced at 3.9 months of supply. Full stats and what it means for buyers.
October 2, 2026
Instead of signing her lender's 4.24% renewal offer, an Edmonton homeowner switched to 3.99% and used her home equity to wipe out $30,000 of 18% credit-card debt — replacing $900-a-month minimums with a $124 line of credit and freeing up about $815 a month. A real Alberta renewal and debt-consolidation case study.
September 30, 2026
An Edmonton-area homeowner kept the family home and bought out his ex's $48,563 share by refinancing $356,000 at maturity, with no prepayment penalty.
September 28, 2026
Learn what credit score you need to qualify for a mortgage in Alberta, how it affects rates, and how to improve your score before you buy.
September 25, 2026
A cheaper variable rate can work if your budget can absorb increases. See the payment and crossover math on a $500,000 uninsured mortgage.
September 23, 2026
You own your corporation and pay yourself a T4 salary, so the CRA calls you an employee. Your lender still calls you self-employed. A real Calgary refinance showing why the two disagree, what documents get asked for, and why the burden is front-loaded rather than forever.
September 21, 2026
Poilievre says taxes, fees and red tape are driving up home prices. Josh Tagg examines what cutting those costs could mean for buyers.

October 5, 2026
Mortgage Default Insurance in Canada: What Homebuyers Are Paying For
Learn when mortgage default insurance is required in Canada, how its premium works, and how to weigh a smaller down
Read more
October 3, 2026
Edmonton Housing Market Update (September 2026): Is It Turning Into a Buyer’s Market?
Greater Edmonton's median home price was $435,000 in September 2026, flat on a year ago. Inventory rose 16.4% and months
Read more
October 2, 2026
Calgary Housing Market Update (September 2026): Are Home Prices Still Falling?
Calgary's benchmark home price was $566,700 in September 2026, down 0.5% from August and 0.8% from a year ago. Sales
Read more
October 2, 2026
How an Edmonton Homeowner Beat Her 4.24% Renewal Offer and Cleared $30,000 of Debt
Instead of signing her lender's 4.24% renewal offer, an Edmonton homeowner switched to 3.99% and used her home equity to
Read more
September 30, 2026
How do you buy out your ex’s share of the house without breaking your mortgage?
An Edmonton-area homeowner kept the family home and bought out his ex's $48,563 share by refinancing $356,000 at maturity, with
Read more
September 28, 2026
What Credit Score Do You Need to Buy a Home in Alberta: A Simple Guide for New Buyers
Learn what credit score you need to qualify for a mortgage in Alberta, how it affects rates, and how to
Read more
September 25, 2026
Should I take a variable rate when it’s cheaper than a fixed rate?
A cheaper variable rate can work if your budget can absorb increases. See the payment and crossover math on a
Read more
September 23, 2026
I Pay Myself a Salary From My Own Company. Why Does My Lender Call Me Self-Employed?
You own your corporation and pay yourself a T4 salary, so the CRA calls you an employee. Your lender still
Read more
September 21, 2026
Could Cutting Taxes and Development Charges Make Canadian Homes More Affordable?
Poilievre says taxes, fees and red tape are driving up home prices. Josh Tagg examines what cutting those costs could
Read more