2025 didn’t unfold the way many Canadian homebuyers expected. Even as interest rates eased, the market stayed cautious. Here’s what the year really taught buyers—and how to approach 2026 with clarity, confidence, and a smarter strategy.

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.