Renewals
What a collateral charge means at renewal
Your mortgage is registered on title in one of two ways, and the difference shapes how easily it moves at renewal. How to check yours in BC and plan ahead.
Last updated September 11, 2026
Insights
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Mortgage tips
Taking your mortgage with you when you move
Porting lets you carry your existing mortgage to a new home. How the timing works in BC, what happens when you need more money, and how insurance moves.
Last updated September 1, 2026
Self-employed
Which two tax years your lender will use
If you are self-employed in BC, your qualifying income comes from two specific tax years, and that window rolls forward once your notice of assessment lands.
Last updated August 21, 2026
Renewals
How to choose your mortgage term at renewal
Your renewal is two decisions, not one. How the term length you pick shapes your flexibility, your exit costs, and a statutory right few people hear about.
Last updated August 11, 2026
First-time buyers
The GST rebate for first-time buyers
The first-time home buyers' GST/HST rebate is open for applications. Who qualifies, how it works on a new build in BC, and what it means for your financing.
Last updated August 4, 2026
Renewals
Renewing in 2026: what changed in your favour
Two federal changes mean most homeowners can now move a mortgage to a new lender at renewal without passing the stress test again. Here's how to use that.
Last updated August 9, 2026
Renewals
What your renewal letter doesn't tell you
Your renewal statement is an offer, not a verdict. Here's what to check before you sign it, and why starting six months out changes what's available to you.
Last updated July 28, 2026
Self-employed
Two years of T1s and a lender that gets it
Why business owners' qualifying income looks lower than what they actually earn, and the established ways lenders bridge that gap.
Last updated July 21, 2026
First-time buyers
Real numbers for a Kelowna first-time buyer
Down payment tiers, BC property transfer tax exemptions, FHSA and the Home Buyers' Plan — what a first purchase in the Okanagan actually requires.
Last updated July 14, 2026
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