Blog by Mortgages Foundations

Co‑signing a mortgage creates a bare trust, making you a legal owner and now requiring T3 filing—even when no income is earned. Learn what CRA’s new rules mean for you.

A HELOC lets you access home equity as needed, with flexible repayment and variable rates. Learn how it works, key benefits, risks, and when it’s the right option.

The Mortgage Protection Plan offers optional life and disability coverage to protect your mortgage, providing payment relief during disability and full payout on death.

Mortgage renewals let you reassess your rate, terms, and lender. Start 4–6 months early to compare offers, explore savings, and ensure your mortgage still fits your goals.

GDS and TDS ratios determine whether you can afford a mortgage. Learn how they’re calculated, the stress test rules, and the max limits lenders use.