Mortgage Notes
Clearer Answers for Your Mortgage
Find plain-language guidance on the stress test, renewing at a higher rate, and getting approved when you’re self-employed.
How to prepare for a mortgage when self-employed
Self-employed borrowers can strengthen an application by organizing income records early and understanding how lenders assess business earnings. Here is what to gather and discuss.
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What to do when your mortgage renews at a higher rate
A higher renewal offer can feel difficult, but you have time to compare options and understand the payment change. This guide explains when to start and what to…
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How the mortgage stress test works in Canada
Learn how the mortgage stress test affects the amount you may be able to borrow, what lenders consider, and how to prepare before making an offer.
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