Debt

Will credit card debt affect my mortgage application?

Having debt isn’t necessarily a problem. But the size of your debt and your history of repayment could affect...

Mortgages

Why the mortgage stress test isn’t the villain it was made out to be

The mortgage qualifying tool has been subject to plenty of criticism. However, with rising interest rates, it may be...

Mortgages

Watch: Does debt impact your mortgage application?

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Ratehub.ca

Mortgages

Watch: What is the mortgage stress test?

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Ratehub.ca

Mortgages

Watch: What is mortgage affordability?

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Ratehub.ca

Mortgages

Understanding mortgage affordability

Mortgage affordability provides an estimate of how much money you can afford to borrow for a home. Learn more...

Mortgages

Forget the burbs—should home buyers “fly until they qualify” for a mortgage?

With Canadian home prices soaring outside of urban centres, you may be questioning the mantra “drive until you qualify.”...

Ask MoneySense

“Should we refinance our mortgage?”

Rates are significantly lower than the one Jill and Bob have locked into until 2024. Would they save money...

Mortgages

Should you break your mortgage?

Breaking your mortgage to get a better interest rate could save you thousands of dollars. Here’s what you should...