Everything that does not sit in one of the situations above.
Disclaimer. This article is for informational purposes only and does not constitute financial advice. Speak with a licensed mortgage professional before making any mortgage decisions.
Yes. Lenders in Canada are still actively financing real estate in 2026, and most major lenders plan to grow their lending this year. Approval still
A slight majority of Canadian homebuyers — 52% in CMHC’s January 2026 Mortgage Consumer Survey — paid the maximum they could afford, down from 58%
For most Canadian buyers in 2026, a move-in-ready home offers faster occupancy and lower stress. A fixer-upper can cost less overall, but only when the
The Canadian single-family home shortage in 2026 is a future pipeline risk, not a current price-driver, and that distinction changes how buyers should think about
In Canada in 2026, shorter-term fixed mortgages (2-year and 3-year) are widely competitive with 5-year fixed terms. Two- and three-year fixed rates typically price below
Yes, you can retire with a mortgage in Canada, and it is increasingly common. Retirement does not cancel or call in your existing mortgage; you
Last updated: May 2026 Quick Answer Yes — housing inventory is building in Ontario in 2026, while inventory in Alberta and Quebec has tightened sharply.
In most cases, no — Canadian lenders do not offer a discounted mortgage rate for energy-efficient homes. The actual savings come from a different lever:
A nationwide crash in Canadian house prices is not the base-case forecast for 2026. CREA expects national average prices to rise about 1.5%, while CMHC
. Canadian homeowners facing higher mortgage payments have five practical levers: negotiate the renewal rate, extend the amortization, consolidate higher-interest debt into the mortgage, switch
Variable mortgage rates are likely to stay broadly stable in 2026 because the Bank of Canada has held its policy rate at 2.25%. Fixed rates
