Mortgage Insights
The McDonald Home Group Blog
Practical mortgage guidance for Ontario home buyers — from first-time buyer programs to refinancing strategies.
First-Time Buyers
First-Time Home Buyer Incentives in Canada: What You Need to Know in 2026
From the FHSA to the RRSP Home Buyers Plan and land transfer tax rebates, here is every program available to first-time buyers in Canada right now.
October 29, 2026
Refinancing
5 Reasons Canadians Are Refinancing Their Mortgages Right Now
From debt consolidation to accessing home equity, here are the five most common reasons Ontario homeowners are choosing to refinance — and what it could mean for you.
October 22, 2026
First-Time Buyers
How Much Do You Really Need for a Down Payment in Ontario?
Most first-time buyers overestimate how much they need to get started. Here is what the rules actually say — and how CMHC insurance changes the math.
October 22, 2026
Refinancing
Is Now a Good Time to Refinance Your Mortgage in Ontario?
With interest rates shifting and home values holding strong across Ontario, many homeowners are asking whether refinancing makes sense right now. Here's how to think through it.
October 17, 2026