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
Mortgage Blog
Every post from the Mortgages for Less team: mortgage rates, the Bank of Canada, Alberta housing, lender news and real client stories.
Read more
Read moreSeptember 23, 2026I 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 moreSeptember 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 moreSeptember 18, 2026
Self-Employed, Owing the CRA, and On Maternity Leave — and They Still Bought Their First Home
Self-employed, carrying about $70,000 in CRA tax debt, one income on maternity leave, a fully gifted down payment — and
- Read moreSeptember 17, 2026
High Gas Prices Have the Bank of Canada Talking About Rate Hikes Again
High gas prices are raising inflation risks and putting Bank of Canada rate hikes back on the table. Here’s what
- Read moreSeptember 16, 2026
They Kept Their First Home as a Rental and Bought the Next One With 5% Down
A Grande Prairie couple could buy only about $160,000 if they kept their home. A refinance cleared a $1,417-a-month vehicle
- Read moreSeptember 15, 2026
Turned Down at 72: How a Retired Couple Bought a Calgary-Area Home With a Reverse Mortgage
Refused at 72 because their RRIF income was too new, a retired Alberta couple bought a $418,000 home with a
- Read moreSeptember 14, 2026
Secondary Suites Are Booming in Calgary — Could the Rental Income Help You Qualify for a Mortgage?
Calgary secondary suites are booming. Learn when rental income from a basement suite may help you qualify for a larger
- Read moreSeptember 11, 2026
Turned Away, Then Handed the Keys: How a Self-Employed Calgary Couple Bought Their First Home
A self-employed Calgary couple were told they wouldnt qualify. Eleven months later, through a credit rebuild, a brand-new business and
