Plain-English guides to the money decisions banks quietly profit from you not understanding. No jargon, no selling, just the math they bury in the fine print.
Best 5-year fixed ~4.09%, best variable ~3.35%, Bank of Canada at 2.25%. The 0.74% rate gap isn't the whole story — the break penalty is what really decides it.
Three months' interest vs the IRD, the Big-6 posted-rate trap that inflates penalties 3 to 10 times, and when breaking your mortgage is actually worth it.
1.15 million households renew this year. Why auto-renewing is a costly habit, and how the new no-stress-test switch rule lets you shop the whole market.
Why paying only the minimum on a $5,000 balance keeps you in debt for two decades, what it really costs in interest, and the simple switch that clears it in under three years.
Break-even math, the costs nobody mentions, and the CRA rules on what mortgage interest is and isn't deductible.
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