Mortgages in Canada

Mortgage Insights & Home Financing Guides

Welcome to the FINANC1FYD Mortgage Blog — your trusted resource for clear, practical, and up-to-date guidance on home financing in Canada. Whether you're a first-time homebuyer, an investor, self-employed, or navigating a complex mortgage scenario, this section provides the knowledge you need to make confident financial decisions.

Explore expert tips on mortgage approvals, renewals, refinancing, HELOCs, private lending, construction loans.

The Canadian Mortgage Cliff: Navigating the Great Renewal Wave of Q3 & Q4 2025

The final half of 2025 marked a pivotal, yet contradictory, period for Canada's financial markets. While Bank of Canada (BoC) rate cuts offered a glimmer of hope to squeezed households, the looming "Mortgage Renewal Wave" —the largest in Canadian history—continued to test the resilience of the nation's homeowners and the broader economy. This blog post breaks down the key trends, challenges, and forecasts defining the Canadian mortgage industry and financial markets in Q3 an

3 min read

Manulife Bank – Updated Mortgage Rates & Programs

Effective December 2, 2025 By FINANC1FYD – Powered by 8Twelve Mortgages (FSRA Licence #M25001127) Sarv – Mortgage Agent Level 1 Manulife Bank has announced new rate reductions and program enhancements effective December 2nd, 2025 . These updates benefit homebuyers, current homeowners, investors, and self-employed borrowers looking for flexible mortgage solutions. Below is a simplified, consumer-friendly guide to the new offerings available through Financ1fyd / 8Twelve Mortg

2 min read

A Complete Guide to CMHC Insurance, GDS, and TDS Ratios for First-Time Homebuyers in Canada

4 min read