Editorial guides
Mortgage guides
Concrete decisions, traceable numbers, human verdict per profile. No interactive calculator here — editorial that counts before the call with an AMF-licensed broker in the Courteo network.
Fixed or variable rate in 2026? Verdict by profile
The spread tightened. 2026 context, why, and human verdict for first-time, renewal, investor, retiree, self-employed.
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25 or 30-year amortization? What the numbers really say
Concrete math on $400k at 5.5%, total interest gap, 2024 CMHC rule for first-time buyers, verdict by profile.
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5%, 10% or 20% down payment? The true hidden cost
CMHC premium by LTV, concrete math on $500k, $60k HBP lever, verdict by profile.
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