Canadian mortgage FAQ
Direct answers with practical next steps, reviewed by the Pragmatic Mortgage Lending broker team.
FAQ
Bona fide sale clause in Canada (2026): low-rate tradeoffs, exit limits, and a 72-hour decision checklist
Updated 2026-04-02
Understand how bona fide sale clause mortgages work in Canada, where low-rate contracts can become expensive, and how to compare exit flexibility before signing.
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FAQ
Mortgage broker fees in Canada (2026): when you may pay, what disclosure must show, and how to compare true cost
Updated 2026-02-28
Learn when broker fees may apply in Canada, what must be disclosed in writing, and how to compare broker vs bank offers using an all-in cost framework.
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FAQ
Non-arm's-length mortgage transactions in Canada (2026): rules, family purchase checklist, and approval risks
Updated 2026-02-26
Learn how non-arm's-length mortgage transactions are assessed in Canada, what lenders verify in family purchases, and how to reduce approval risk before commitment.
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FAQ
Renting vs buying in Canada (2026): break-even guide, decision scorecard, and 90-day action plan
Updated 2026-02-26
Use a practical Canadian rent-vs-buy framework with break-even math, decision scorecards, and a 90-day plan so your housing move fits cash flow and timeline.
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FAQ
What are mortgage prepayment privileges in Canada (2026)? limits, penalty rules, and a practical payoff framework
Updated 2026-02-28
A practical Canadian guide to mortgage prepayment privileges: how annual limits work, when penalties still apply, and how to reduce interest without losing flexibility.
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