Canadians are turning to Google for mortgage answers — from down payment rules to choosing between fixed and variable rates. In this guide, we break down the most searched mortgage questions and provide clear, up-to-date answers to help you buy or refinance your home with confidence.

With over 60% of Canadian mortgages set to renew by the end of 2026, many homeowners are bracing for higher payments. While interest rates have started to come down, payment shock is still a real concern. The good news? Canada’s mortgage market remains stable, and with the right advice, you can navigate this transition smoothly.