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Morty's Mortgage Blog

Expert guides and tips for Canadian home buyers

FHSA vs. RRSP Home Buyers' Plan: Which Should You Use in 2026?

Compare Canada's two tax-advantaged programs for saving a down payment. We break down contribution limits, tax benefits, withdrawal rules, and when to use each.

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CMHC Insurance Explained: When You Need It and How Much It Costs

Everything Canadian home buyers need to know about CMHC mortgage insurance — what triggers it, how the premiums work, and how it affects your monthly payments.

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How to Calculate How Much Mortgage You Can Afford in Canada (2026)

Learn exactly how Canadian lenders determine your maximum mortgage. We break down GDS/TDS ratios, the stress test, and show you how to calculate your real buying power.

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