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5 Things You Must Know About Mortgage Rate Holds in Canada
Finding out your mortgage rate hold doesn't guarantee approval could cost you thousands—here's what lenders never explain upfront.
How Long Can You Hold a Mortgage Rate in Canada?
In Canada, mortgage rate holds last 30 to 180 days, but hidden terms can void yours unexpectedly.
How to Use Rate Holds Strategically When House Hunting
Knowing when to lock your mortgage rate—and when not to—could save thousands, but most buyers trigger costly traps without realizing.
90-Day Rate Hold vs 120-Day Rate Hold: Which to Choose?
Choosing between 90-day and 120-day rate holds depends on your closing timeline—pick wrong and you'll pay dearly for a re-lock.
Why Rate Holds Are Less Useful Than Brokers Claim
Brokers sell rate holds as guaranteed protection, but hidden expiration dates, approval risks, and costly restrictions make them far less valuable.