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Frequently asked questions about mortgages
Rates typically range from 4.29% to 7.44%, influenced by the type of mortgage and market conditions, also may vary provincially and are subject to change without notice OAC.
The minimum is 5% for first-home-buyers up to $1,500,000 and up to 20% for the portion above that.
Yes, programs like the First-Time Home Buyer Incentive help with down payments.
Closing costs can range from 1.5% to 4% of the home’s purchase price, including legal fees and taxes.
Yes, if your down payment is less than 20%, mortgage insurance is required.
The approval process usually takes 1 to 3 weeks, depending on the lender and documentation.
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