Pegasus Blog

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

This article is for informational purposes only and does not constitute financial, legal, or tax advice. Speak with a licensed mortgage professional before making any

Last updated: May 2026 Quick Answer Yes — housing inventory is building in Ontario in 2026, while inventory in Alberta and Quebec has tightened sharply.

Mortgage delinquency in Canada rose to 0.24% in the fourth quarter of 2025, up from 0.21% a year earlier, the highest national level since 2019

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:

The Canadian Real Estate Association (CREA) forecasts that the national average home price will rise by 1.5% in 2026 to roughly $688,955, with virtually no

Pre-construction condos in Canada are not categorically unsafe in 2026, but they carry materially higher risk than they did three years ago. The Greater Toronto

Your credit score affects whether you qualify, which lender you qualify with, and what rate you pay. CMHC-insured mortgages typically require a minimum score of

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 housing prices in spring 2026 are diverging sharply by city. Toronto and Vancouver benchmark prices are down roughly 7% year-over-year, while Montreal is up

. 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