HH Mortgages journal
Mortgage guidance,
without the jargon.
Useful explanations, practical planning ideas, and honest answers for homebuyers and homeowners across Ontario.
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Mortgage Term vs. Amortization in Canada
Understand mortgage term vs amortization in Canada, with a simple timeline and a 25-year vs 30-year payment example before you choose your mortgage.
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Mortgage Refinancing in Ontario
Considering mortgage refinancing in Ontario? Understand equity, qualification, fees and repayment trade-offs before you add to or replace your mortgage.
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Mortgage Documents Checklist in Canada
Prepare your mortgage documents in Canada: income records, down-payment proof, debts and property details, with practical tips for a complete application.
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Fixed vs. Variable Mortgage in Canada: How to Choose in 2026
Compare fixed and variable mortgages in Canada, including payment changes, trigger rates, penalties and a clear $600,000 mortgage example.
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Mortgage Default Insurance in Canada: What It Costs and Who It Protects
Learn when mortgage default insurance is required in Canada, how the premium is calculated, and what an $800,000 Ontario purchase could cost.
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GDS and TDS Ratios in Canada: How Lenders Measure Mortgage Affordability
Learn how GDS and TDS ratios affect mortgage qualification in Canada, what costs count, and why other debts can reduce your buying budget.
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Can You Port a Mortgage in Ontario? What to Check Before You Sell and Buy
Porting a mortgage may help you keep your existing rate and avoid some break costs when you move. Here is what to check before selling and buying in Ontario.
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FHSA and the Home Buyers’ Plan in 2026: Can You Use Both for the Same Home?
Eligible first-time buyers can combine an FHSA qualifying withdrawal with the Home Buyers’ Plan. Here is how the limits, tax treatment and 2026 repayment rules differ.
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