Pegasus Blog

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 homeowners facing higher mortgage payments have five practical levers: negotiate the renewal rate, extend the amortization, consolidate higher-interest debt into the mortgage, switch

Canadian first-time home buyers in 2026 can access five core federal programs plus stackable provincial and municipal benefits. Most rebates are claimed at closing through

Most first-time buyers in BC and Ontario can typically stack federal, provincial, and (in Toronto) municipal incentives on the same purchase — combined savings often

In Canada, getting pre-approved now is typically the safer choice in a volatile rate environment. A pre-approval locks in a quoted mortgage rate for up

In Canada, most buyers can typically afford a mortgage of roughly 3.5 to 4.5 times their gross annual household income , assuming minimal debt and

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