Minimum Down Payment Rules in Canada
Calculate the federal minimum and understand when a lender may require more.
Read guide →Canadian mortgage guide collection
Down Payments & Insurance
Plan the down payment, insured financing and first-home programs.
Mortgage Default Insurance Explained
Who it protects, when it is generally required and how the premium affects borrowing.
Read guide →How Mortgage Insurance Premiums Are Calculated
Estimate the loan-to-value bracket, base premium and 30-year amortization surcharge.
Read guide →First-Time Homebuyer Mortgage Guide
Coordinate savings, programs, qualification, property review and closing without rushing.
Read guide →Using an FHSA for a First Home
How contribution room, deductions and qualifying withdrawals fit into a purchase plan.
Read guide →Using the Home Buyers’ Plan
Withdraw eligible RRSP funds for a qualifying home and plan the later repayments.
Read guide →Federal Homebuyer Credits and New-Home Rebates
A starting point for the home buyers’ amount and the first-time buyer GST/HST rebate.
Read guide →