Ontario Mortgage Guide
Plain-language answers for Ontario homebuyers.
No jargon, no sales pitch. Just clear explanations of the mortgage rules, strategies, and decisions that matter most to Ontario buyers in 2026.
First-Time Buyer
First-Time Home Buyer in Ontario — The Complete 2026 Guide
Every program, credit, and strategy available to first-time buyers in Ontario right now — from FHSA to land transfer tax rebates to the new $1.5M insured mortgage limit.
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Pre-Approval
Mortgage Pre-Approval Checklist — Canada 2026
Exactly what documents you need, what lenders check, and how to prepare so your pre-approval goes smoothly on the first try.
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Income & Qualification
How Much Income Do You Need to Buy a House in Canada in 2026?
The real income needed at every price point from $400K to $1.5M — with stress test math, self-employed rules, and strategies to qualify for more.
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Stress Test
How to Pass the OSFI Mortgage Stress Test in 2026
The stress test is why so many Canadians qualify for less than they expect. Here's exactly how it works, what rate it uses, and the strategies that actually move the needle.
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Rates & Strategy
Fixed vs Variable Mortgage in 2026 — Which Is Better Right Now?
With the Bank of Canada holding at 2.25%, the fixed vs variable decision is more nuanced than ever. Here's what the math actually shows — and what most people get wrong.
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Down Payment
FHSA vs RRSP Home Buyers Plan — Which Should You Use?
The FHSA is newer, more flexible, and has no repayment obligation. But the RRSP HBP still has a role. Here's how to use both to maximize your down payment savings.
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GTA Market
How Much Do You Really Need to Buy a Home in Toronto in 2026?
The real numbers — minimum income, down payment, closing costs, and what different budgets actually get you across the GTA right now.
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Closing Costs
What Closing Costs Do Ontario Homebuyers Forget?
Almost every buyer focuses on the down payment — then gets caught short on closing day. Here's every cost you need to budget for, including Toronto's double land transfer tax.
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Ready to run your own numbers? ClearKey gives you 10 free Ontario mortgage calculators — stress test, income qualifier, CMHC, amortization, and more.
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