Blog — Arch Canada

Home Buying

Toronto Buyers Renting 2026: Why 58% Skip Buying Now

Toronto buyers renting rose to 58% of Q1 2026 transactions as prices dropped 20% since 2022 and rental supply surged.

By the Arch Team · Aug 2, 2026

Mortgage Basics

7 Reverse Mortgage Myths That Keep Canadian Seniors From Accessing Their Home Equity

7 reverse mortgage myths debunked: Canada's $10.9B market explained. Learn borrowing limits, inheritance impact, and when it makes sense in 2026.

By the Arch Team · Jul 29, 2026

Market Insights

Canadian Home Sales May 2026: Why the 5.5% Jump Matters for Buyers

Canadian home sales climbed 5.5% in May 2026 — the first real buyer comeback this year. Why it matters for your summer search.

By the Arch Team · Jul 25, 2026

Mortgage Rates

BoC Rate Hold 2026: Should You Lock In or Wait for Cuts?

BoC held rates at 2.25% for the 5th time in 2026. Should you lock in fixed or bet on variable? Here's what uncertainty means for your mortgage.

By the Arch Team · Jul 21, 2026

Real Estate Markets

Vancouver Unsold Condos 2026: Why 3,554 Units Sit Empty

Vancouver has 3,554 unsold condos — the highest since the '90s. Resale units are selling $30K-$40K below asking. Here's what buyers need to know.

By the Arch Team · Jul 17, 2026

Renting

Purpose-Built Rentals vs Condos: Which One Should You Choose in Canada?

Purpose-built rentals vs condos: 47% of new GTHA rentals offered 2 months free in Q1 2026. Which rental type saves you more?

By the Arch Team · Jul 13, 2026

Homeownership

What Happens If Your Landlord Misses Mortgage Payments in Canada?

Landlord misses mortgage payments? In Ontario your lease survives; in BC it might not. Learn tenant rights during power of sale in 2026.

By the Arch Team · Jul 9, 2026

Mortgage News

Bank of Canada Rate Hold June 2026: What It Means for Your Mortgage

The Bank of Canada held rates at 2.25% for the fifth time. Here's what that means for your mortgage in June 2026.

By the Arch Team · Jul 5, 2026

Real Estate Market

Ontario Homes Selling at a Loss: Why 36.6% of Peak Buyers Lost Money

36.6% of Ontario homes bought in 2022 sold at a loss by 2025. Learn why peak buyers lost money and how to protect yourself if you're selling soon.

By the Arch Team · Jul 1, 2026

Housing Market Trends

Montreal Home Sales May 2026: 7% Drop, Prices Still Up

Montreal home sales May 2026 fell 6.8% while median prices rose up to 6.1%. Why inventory's climbing, buyers are cautious, and what it means now.

By the Arch Team · Jun 27, 2026

Home Insurance

Does Home Insurance Cover Wildfires in Canada? What You Need to Know in 2026

Does home insurance cover wildfires? Yes — but only if you buy before flames arrive. Learn what's covered and the 50km rule that blocks new policies.

By the Arch Team · Jun 23, 2026

Housing Market

Housing Crisis Iqaluit: How One Non-Profit Built 124 Units in Canada's Toughest Market

Iqaluit households spend 35% of income on housing vs 14% nationally. One non-profit built 124 units to close the gap.

By the Arch Team · Jun 23, 2026

Home Selling

Selling Without a Realtor in Canada: What You'll Actually Save (and Spend)

Selling without a realtor in Canada saves the 2.5% seller commission but costs $2,000–$5,000 in staging, legal fees, and MLS access. Here's the real math.

By the Arch Team · Jun 22, 2026

Mortgage Basics

Home Affordability Canada May 2026: Why Every Market Got Harder

Home affordability Canada worsened in May 2026 — buyers now need up to $2,800 more in annual income. Why rates and prices rose together.

By the Arch Team · Jun 20, 2026

Real Estate

Senákw Rental Development Vancouver: Will 6,000 New Units Lower Rents in 2026?

Senákw brings 6,000 rental units to Vancouver starting at $2,275/month. Will it lower rents or just shuffle high-income renters?

By the Arch Team · Jun 19, 2026

Canadian Economy

Technical Recession Canada 2026: What It Means for Your Mortgage and Money

Canada's in a technical recession. Here's what GDP contraction means for your mortgage rate, renewal payment, and whether you should lock a rate now.

By the Arch Team · Jun 18, 2026

Home Buying

GTA Home Prices April 2026: Why Sales Rose 7% But Sellers Still Hesitate

GTA home sales rose 7% in April 2026, but average prices dropped 4.9% to $1,051,969. Why buyers and sellers are both hesitating.

By the Arch Team · Jun 17, 2026

Home Buying

Home Affordability Canada April 2026: 12 Cities Harder to Buy

Home affordability worsened in 12 Canadian markets in April 2026. Learn why rates and prices are squeezing buyers and what you can do now.

By the Arch Team · Jun 16, 2026

Home Buying

Home Inspection Canada: What Buyers Actually Get for $400 (And What They Miss Without It)

Home inspection Canada costs $300-$500 but saves thousands. What inspectors check, why skipping it backfires, and how to negotiate after the report.

By the Arch Team · Jun 13, 2026

Home Ownership

7 Benefits of Home Ownership in Canada That Renters Miss in 2026

Home ownership in Canada builds $5 trillion in equity for 5M+ households. Discover 7 benefits renters miss — wealth, stability, tax breaks.

By the Arch Team · Jun 10, 2026

Home Buying

9 First-Time Home Buyer Mistakes Canadians Make (2026)

First-time home buyer mistakes cost Canadians thousands. Learn the 9 errors that drain wallets and how to dodge them in 2026.

By the Arch Team · Jun 7, 2026

Homeownership

Home Ownership Canada: 5 Ways It Builds Wealth (Even in 2026)

Home ownership Canada builds wealth through forced savings, appreciation, and leverage. Here's how equity grows — and why it beats renting.

By the Arch Team · Jun 4, 2026

Home Buying

Cottage Country First Home Canada 2026: Why Young Buyers Are Skipping City Condos

Young Canadians are buying cottages before condos — 50% of buyers 18-34 see recreational properties as an entry point. Here's what it actually costs.

By the Arch Team · Jun 2, 2026

Mortgage Rates

Rising Canadian Mortgage Rates 2026: Why a 3-Year Fixed Might Beat a 5-Year

Rising Canadian mortgage rates hit 4.04% in 2026. Should you lock in a 3-year or 5-year fixed term? Compare rates and find flexibility.

By the Arch Team · Jun 1, 2026

Mortgage Strategy

Should You Pay Off Your Mortgage Early in Canada? When It Makes Sense (and When It Doesn't)

Should you pay off your mortgage early in Canada? Learn when prepayment saves thousands — and when investing beats paying down debt.

By the Arch Team · May 29, 2026

Home Buying

Rent vs Buy in Canada 2026: Which One Actually Saves You Money?

4 in 10 Canadian renters spend over 30% of income on rent. Should you buy instead? Here's what you need to know in 2026.

By the Arch Team · May 27, 2026

Homeownership

Rent Your Home on Airbnb Canada: What the Tax Bill and Insurance Actually Cost

Airbnb hosting in Canada means taxes, insurance gaps, and tougher rules. Here's what you'll actually pay before you list your spare room.

By the Arch Team · May 25, 2026

Home Buying

Best Place to Buy in Canada 2026: Where First-Time Buyers Should Look Now

Fredericton, St. John's, and Edmonton lead Canada's most affordable housing markets in 2026 with benchmarks under $500K and strong growth.

By the Arch Team · May 22, 2026

Home Insurance

Home Insurance Inflation Canada 2026: Why Your Premium Rose (Even Without a Claim)

Canadian home insurance rates rose 5.7% in April 2026. Alberta hit 11.4%. Here's why your premium climbed even without a claim.

By the Arch Team · May 20, 2026

Market Trends

Canadian Home Sales April 2026: Why the 0.7% Gain Might Actually Matter

Canadian home sales rose 0.7% in April 2026 — the first gain in months. What it means for buyers, inventory levels, and when to act.

By the Arch Team · May 19, 2026

Home Insurance

Home Insurance When You Move: What Canadian Homeowners Actually Need to Know

Your home insurance doesn't transfer when you move. Learn what changes, how to avoid coverage gaps, and ways to lower your premium in 2026.

By the Arch Team · May 14, 2026

Home Buying

Vancouver Unsold Condos 2026: Why 3,000+ Units Sit Empty

3,000+ Vancouver unsold condos sit empty. 81% are above $1M. Why developers overbuilt and how first-time buyers can find deals in 2026.

By the Arch Team · May 13, 2026

Home Buying

Best Place to Buy in the GTA 2026: Where First-Time Buyers Should Look Now

Tansley in Burlington tops the list at $739,942. Here's where first-time buyers should focus in the GTA in 2026—and what's changed since 2021.

By the Arch Team · May 12, 2026

Mortgage Basics

Life Insurance After Buying a Home: What Canadian Homeowners Actually Need in 2026

Life insurance after buying a home protects your family if you die. Learn how much coverage you need and why term life beats mortgage insurance.

By the Arch Team · May 11, 2026

Mortgages

Open vs Closed Mortgage: Which One Actually Saves You Money in Canada?

Open vs closed mortgage: choosing wrong costs $10,000+. Learn which saves you money based on your timeline and plans in 2026.

By the Arch Team · May 5, 2026

Home Buying

Housing Budget Canada: The 35% Rule That Keeps You From Going House Poor

Your pre-approval is a ceiling, not a target. Learn how the 35% housing budget rule keeps you from going house poor in Canada.

By the Arch Team · May 5, 2026

Mortgages

What Is a Mortgage Rate Hold and Should You Use One in 2026?

A mortgage rate hold locks in your rate for 90-120 days while you shop. Learn how it works and whether you should use one in 2026.

By the Arch Team · May 1, 2026

Mortgages

Variable to Fixed Mortgage: Should You Switch in 2026?

Should you switch from variable to fixed mortgage in 2026? Learn when locking in makes sense and what it'll cost.

By the Arch Team · Apr 27, 2026

Mortgages

What Is a Mortgage Rate Hold and Should You Use One?

A mortgage rate hold locks in your rate for 90-120 days while you shop. Learn how it works and whether you should use one in 2026.

By the Arch Team · Apr 24, 2026

Home Buying

Closing Costs Canada: What You'll Actually Pay in 2026

Closing costs in Canada run $12K–$32K on an $800K home. Learn what you'll actually pay and how to budget smarter in 2026.

By the Arch Team · Apr 23, 2026

Market Updates

Canadian Home Sales March 2026: Why the Spring Market Didn't Show Up

Canadian home sales barely moved in March 2026. Fixed rates rose, buyers paused, and the spring market didn't show up. What happens next?

By the Arch Team · Apr 22, 2026

Mortgages

Why Breaking Your Mortgage Could Cost More Than You Think (Even as Rates Change)

Mortgage penalties can jump from $4,000 to $18,000 overnight. Learn how prepayment penalties work in Canada and why timing matters more than ever.

By the Arch Team · Apr 21, 2026

Mortgages

Should You Refinance Your Mortgage in 2026? What Canadian Homeowners Need to Know

Learn when refinancing your mortgage in Canada makes sense in 2026, what it costs, and how new rules affect homeowners.

By the Arch Team · Apr 17, 2026

Buying a Home

5 Things to Know Before Buying Rural Property in Canada

Buying rural property in Canada? Learn about zoning, land limits, well inspections, and how lenders treat country mortgages differently.

By the Arch Team · Apr 16, 2026

Mortgages

Will Mortgage Renewals in 2026 Trigger a Rate War in Canada?

Over 50% of Canadian mortgages renew by 2027. Banks are competing hard. Here's how to use that to your advantage.

By the Arch Team · Apr 15, 2026

Home Insurance

Home Insurance Renovation Canada: What You Need (2026)

Only 6% update coverage before renovating. Learn what home insurance renovation options you need to avoid denied claims in 2026.

By the Arch Team · Apr 14, 2026

Homeownership

5 Ways to Slash Your Heating Costs This Winter in Canada

Cut your winter heating bill by 15–30% with these 5 simple fixes. Learn how to seal drafts, manage your thermostat, and stop wasting energy.

By the Arch Team · Apr 13, 2026

Home Improvement

6 Home Upgrades Worth Making This Spring in Canada

Six home upgrades Canadian homeowners are tackling this spring — with real costs, ROI estimates, and smarter ways to fund the work without draining savings.

By the Arch Team · Apr 10, 2026

Mortgage Industry News

Are Mortgage Renewal Rates About to Drop Because Banks Need Your Business?

Banks are competing hard for mortgage renewals in 2026. Over 50% of mortgages renew soon — here's how to use that leverage to save $1,000+ per year.

By the Arch Team · Apr 10, 2026

Personal Finance

10 Ways to Stop Leaking Money Without Feeling the Pinch

Small spending leaks add up fast. Here's how to find them, plug them, and keep more of your money without feeling deprived.

By the Arch Team · Apr 10, 2026

Mortgage Basics

Can You Take Your Mortgage With You When You Move? What You Should Know About Porting in 2026

Porting your mortgage lets you move without losing your rate. But is it always the right move? Here's what Canadian homeowners need to know in 2026.

By the Arch Team · Apr 8, 2026

Mortgages

How Much Can You Actually Contribute to Your FHSA in 2026?

Your FHSA contribution limit is $8,000/year — but transfers from your RRSP count too. Here's how to avoid penalties and max out your room.

By the Arch Team · Apr 6, 2026

Financial Literacy

10 Credit Score Facts Every Canadian Should Know in 2026

Your credit score affects way more than mortgages. Learn the 10 facts every Canadian should know to protect and improve it in 2026.

By the Arch Team · Mar 31, 2026

Mortgage Basics

Home Equity Loan vs Line of Credit: Which Should You Choose in 2026?

Home equity loan or HELOC? Learn the key differences, costs, and which option saves you more money in 2026. Real numbers, no fluff.

By the Arch Team · Mar 25, 2026

Housing Market Updates

Canada Housing Market February 2026: What the Latest Data Means for Your Next Move

Canada housing market February 2026: Sales fell 1.3%, prices down 4.8% year over year. What buyers need to know about inventory and spring trends.

By the Arch Team · Mar 24, 2026

Real Estate Investing

Should You Claim CCA on Your Rental Property in Canada?

CCA on rental property can save thousands in tax — or cost you more at sale. Learn when to claim capital cost allowance in Canada and when to skip it.

By the Arch Team · Mar 18, 2026

Mortgages

Home Equity Loan vs Line of Credit in Canada: Which One's Actually Better?

Home equity loan or HELOC? They sound similar but work completely differently. Here's what actually matters when you're choosing in Canada.

By the Arch Team · Mar 16, 2026

Mortgage Strategy

Should You Pay Down Your Mortgage or Invest? What Canadian Homeowners Need to Know in 2026

Should you pay down your mortgage or invest? Depends on your rate, timeline, and risk tolerance. Here's how Canadian homeowners can decide in 2026.

By the Arch Team · Mar 12, 2026

Mortgages

Should You Refinance Your Mortgage in Retirement When Rates Drop?

Refinancing in retirement can lower your payments and free up cash — but resetting your mortgage timeline and paying closing costs may not be worth it if you're downsizing soon.

By the Arch Team · Mar 11, 2026

Mortgages

Mortgage Renewal Rates in 2026: Will Your Payment Go Up or Down?

Mortgage renewal rates in 2026 will hit some homeowners hard while others see payment drops. Here's who pays more, who saves, and what you can do.

By the Arch Team · Mar 10, 2026

Home Buying

What Happens When Your Condo Loses Value After 5 Years?

Pandemic condo buyers face tough choices as the 5-year profit rule fails. What to do if your condo lost value.

By the Arch Team · Mar 9, 2026

Mortgage Basics

7 Reverse Mortgage Myths That Keep Canadian Seniors From Accessing Their Home Equity

Over 50% of reverse mortgage borrowers keep half their home's value. Yet myths stop seniors from using this tool. We clear up what's true.

By the Arch Team · Mar 1, 2026

Mortgage Basics

Can You Really Buy a Second Home in Canada with 5% Down?

You can buy a second home in Canada with just 5% down. Here's how it works, what it costs, and when it makes sense.

By the Arch Team · Mar 1, 2026

Mortgage Basics

What Is a Mortgage Rate Hold and Should You Use One?

Mortgage rate holds lock in your rate for up to 120 days while you house hunt. Learn how they protect your budget and when to use one.

By the Arch Team · Feb 26, 2026

Credit and Financial Health

Why You Should Monitor Your Credit Score in Canada

Sudden credit score changes can signal identity theft. Learn how to monitor your credit in Canada and spot fraud before it spirals.

By the Arch Team · Feb 19, 2026

Knowledge that moves you forward.

Toronto Buyers Renting 2026: Why 58% Skip Buying Now

7 Reverse Mortgage Myths That Keep Canadian Seniors From Accessing Their Home Equity

Canadian Home Sales May 2026: Why the 5.5% Jump Matters for Buyers

BoC Rate Hold 2026: Should You Lock In or Wait for Cuts?

Vancouver Unsold Condos 2026: Why 3,554 Units Sit Empty

Purpose-Built Rentals vs Condos: Which One Should You Choose in Canada?

What Happens If Your Landlord Misses Mortgage Payments in Canada?

Bank of Canada Rate Hold June 2026: What It Means for Your Mortgage

Ontario Homes Selling at a Loss: Why 36.6% of Peak Buyers Lost Money

Montreal Home Sales May 2026: 7% Drop, Prices Still Up

Does Home Insurance Cover Wildfires in Canada? What You Need to Know in 2026

Housing Crisis Iqaluit: How One Non-Profit Built 124 Units in Canada's Toughest Market

Selling Without a Realtor in Canada: What You'll Actually Save (and Spend)

Home Affordability Canada May 2026: Why Every Market Got Harder

Senákw Rental Development Vancouver: Will 6,000 New Units Lower Rents in 2026?

Technical Recession Canada 2026: What It Means for Your Mortgage and Money

GTA Home Prices April 2026: Why Sales Rose 7% But Sellers Still Hesitate

Home Affordability Canada April 2026: 12 Cities Harder to Buy

Home Inspection Canada: What Buyers Actually Get for $400 (And What They Miss Without It)

7 Benefits of Home Ownership in Canada That Renters Miss in 2026

9 First-Time Home Buyer Mistakes Canadians Make (2026)

Home Ownership Canada: 5 Ways It Builds Wealth (Even in 2026)

Cottage Country First Home Canada 2026: Why Young Buyers Are Skipping City Condos

Rising Canadian Mortgage Rates 2026: Why a 3-Year Fixed Might Beat a 5-Year

Should You Pay Off Your Mortgage Early in Canada? When It Makes Sense (and When It Doesn't)

Rent vs Buy in Canada 2026: Which One Actually Saves You Money?

Rent Your Home on Airbnb Canada: What the Tax Bill and Insurance Actually Cost

Best Place to Buy in Canada 2026: Where First-Time Buyers Should Look Now

Home Insurance Inflation Canada 2026: Why Your Premium Rose (Even Without a Claim)

Canadian Home Sales April 2026: Why the 0.7% Gain Might Actually Matter

Home Insurance When You Move: What Canadian Homeowners Actually Need to Know

Vancouver Unsold Condos 2026: Why 3,000+ Units Sit Empty

Best Place to Buy in the GTA 2026: Where First-Time Buyers Should Look Now

Life Insurance After Buying a Home: What Canadian Homeowners Actually Need in 2026

Open vs Closed Mortgage: Which One Actually Saves You Money in Canada?

Housing Budget Canada: The 35% Rule That Keeps You From Going House Poor

What Is a Mortgage Rate Hold and Should You Use One in 2026?

Variable to Fixed Mortgage: Should You Switch in 2026?

What Is a Mortgage Rate Hold and Should You Use One?

Closing Costs Canada: What You'll Actually Pay in 2026

Canadian Home Sales March 2026: Why the Spring Market Didn't Show Up

Why Breaking Your Mortgage Could Cost More Than You Think (Even as Rates Change)

Should You Refinance Your Mortgage in 2026? What Canadian Homeowners Need to Know

5 Things to Know Before Buying Rural Property in Canada

Will Mortgage Renewals in 2026 Trigger a Rate War in Canada?

Home Insurance Renovation Canada: What You Need (2026)

5 Ways to Slash Your Heating Costs This Winter in Canada

6 Home Upgrades Worth Making This Spring in Canada

Are Mortgage Renewal Rates About to Drop Because Banks Need Your Business?

10 Ways to Stop Leaking Money Without Feeling the Pinch

Can You Take Your Mortgage With You When You Move? What You Should Know About Porting in 2026

How Much Can You Actually Contribute to Your FHSA in 2026?

10 Credit Score Facts Every Canadian Should Know in 2026

Home Equity Loan vs Line of Credit: Which Should You Choose in 2026?

Canada Housing Market February 2026: What the Latest Data Means for Your Next Move

Should You Claim CCA on Your Rental Property in Canada?

Home Equity Loan vs Line of Credit in Canada: Which One's Actually Better?

Should You Pay Down Your Mortgage or Invest? What Canadian Homeowners Need to Know in 2026

Should You Refinance Your Mortgage in Retirement When Rates Drop?

Mortgage Renewal Rates in 2026: Will Your Payment Go Up or Down?

What Happens When Your Condo Loses Value After 5 Years?

7 Reverse Mortgage Myths That Keep Canadian Seniors From Accessing Their Home Equity

Can You Really Buy a Second Home in Canada with 5% Down?

What Is a Mortgage Rate Hold and Should You Use One?

Why You Should Monitor Your Credit Score in Canada

Find the right mortgage for your life.