Better mortgage decisions start with better information.

Mortgages can be complicated. Understanding them shouldn’t be. The Learn section contains practical explanations and insights that help homeowners understand their mortgage, their home equity and the options available to them.

Prefer to run your own numbers?

Try Mark’s free mortgage calculators — affordability, payment, penalty, home equity and CMHC insurance.

Run your own numbers

Tidy home office desk with closed notebook, pen, and reading glasses

Mortgage Strategy

What Should I Look for Besides the Mortgage Rate?

Eleven factors that matter as much as the number on the sign.

Mark Norman · Mortgage Professional Since 2004 · Mortgage Strategy · Published August 11, 2026

Refinancing

Should I Refinance My Mortgage?

The test isn’t whether you can refinance. It’s whether it improves your financial position.

Renewals

Can I Refinance My Mortgage Before Renewal?

You don’t have to wait for renewal — but that doesn’t mean it’s automatically worth it.

Home Equity

Mortgage Refinance vs. HELOC: Which Makes More Sense?

Two ways to access your equity. Neither one is automatically the better choice.

Debt & Cash Flow

Should I Consolidate Debt Into My Mortgage?

A lower payment isn’t the same as a better outcome. Here’s what to look at first.

Debt & Cash Flow

Life Got More Expensive: Could Your Mortgage Help Improve Your Cash Flow?

Costs have gone up. Your mortgage may be able to help — if it’s restructured with a plan.

Home Equity

How Much Equity Can I Take Out of My Home?

Qualifying for the maximum and needing it are two different questions.

Buying & Investing

Using Home Equity to Buy an Investment Property

Carrying two properties changes your risk. Run the numbers both ways first.

Mortgage Rates

The Lowest Mortgage Rate Isn’t Always the Lowest-Cost Mortgage

Penalties and restrictions can outweigh what a lower rate ever saves you.