Mortgage Hub
Welcome to the Humber Bay Mortgage Hub, designed to help guide anyone navigating the home financing process.
Whether you’re a first-time buyer taking your first steps into home-ownership or a seasoned investor exploring new opportunities, you’ll find expert advice, practical tips, and valuable insights to support your journey. Our goal is to make the mortgage process clearer and easier to understand, so you can make informed decisions and feel confident as you move forward.
Minimum Down Payment in Canada: How the Rules Work
Minimum down payment in Canada depends on the price: 5% on the first $500,000, 10% up to $1.5 million, and 20% from $1.5 million. Here’s how it works.
Canada Loses Over 68,000 Jobs Ahead of the Bank of Canada Decision, GTA Condo Sales Fall Faster in the Suburbs, and Buyers Weigh 30-Year Amortizations – Mortgage Minute October 9, 2026
Canada lost over 68,000 jobs in September, GTA condo sales fell faster in the suburbs than in the city, and a REMAX survey shows buyers weighing 30-year amortizations – here’s what it means for your mortgage.
Fixed, Variable or Adjustable: How Each Mortgage Rate Type Works
Fixed, variable and adjustable mortgages handle your payment and the cost of breaking early very differently. Here is how each rate type works.
Mortgage Programs for Different Incomes, Backgrounds and Plans
Mortgage programs exist for different incomes, occupations and plans, from gig work and commission to net worth programs. Here is some of what’s available.
Banks Continue to Raise Fixed Rates, Toronto Condos Hit Their Best Affordability Since 2017, and Ontario Home Sales Are Forecast to Fall – Mortgage Minute October 2, 2026
Banks continue to raise fixed rates, Toronto condo affordability reaches its best level since 2017, and Ontario home sales are forecast to fall again this year – here’s what it means for your mortgage.
The Closing Freeze: 10 Things Not to Do Before You Get the Keys
Your mortgage approval is a snapshot, and the lender can re-check it right up until funding. Here are 10 things to avoid between a firm offer and closing day in Toronto.
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