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Do You Need CMHC Insurance With 20% Down Payment?
Think 20% down means no CMHC insurance? The answer isn't as simple as lenders want you to believe.
How to Decide Between a Condo and Freehold for Your First Ontario Home
How much down payment do you really have—and does it actually let you choose, or just accept what Ontario's market allows?
Why Borrowing Your Down Payment Is a Terrible Idea (Even When It’s Legal)
Why does borrowing your down payment double your default risk and guarantee you'll start homeownership underwater, even when lenders technically allow it?
FHSA vs TFSA for Down Payment: Which Tax Shelter Works Better?
Juggling FHSA tax breaks against TFSA flexibility for your down payment reveals one shelter secretly costs less—but only if your timeline cooperates.
Can You Use Gift Money for Down Payment in Canada?
Most Canadian lenders accept gift money for down payments, but strict documentation rules determine whether your family's generosity gets approved or rejected.
Do I Need CMHC Insurance If I Have 15% Down Payment?
Most Canadian homebuyers with 15% down assume they'll dodge mortgage insurance, but the 20% threshold reveals an expensive surprise worth calculating.