Conquer Mortgages on the market.
What's happening with rates, renewals and buying in Ontario, and what it means for your mortgage. Written by Mitch, updated as things change.
RatesBank of Canada October 28 decision: hike or hold?
The Bank of Canada decides on October 28. Here's what a hike or a hold could mean for your variable payment, HELOC, fixed rate and renewal.
Mitch Conquer · October 22, 2026 · 5 min read
RenewalsMortgage renewal in 2026: your step-by-step plan
Signed your mortgage in 2020 or 2021? Here's a simple 120-day renewal plan, from rate holds to switching lenders to handling a bigger payment.
Mitch Conquer · October 22, 2026 · 5 min read
RatesWhy fixed rates are rising when the Bank hasn't moved
The Bank of Canada hasn't touched its rate in a year, yet fixed mortgage rates keep climbing. Here's the bond yield story in plain English.
Mitch Conquer · October 22, 2026 · 5 min read
BuyingBuying a home in Ontario this fall: what first-time buyers should know
Prices are softer and fixed rates are climbing. Here's how first-time buyers in Ontario can plan a purchase this fall without guessing where the market goes next.
Mitch Conquer · October 22, 2026 · 5 min read
DebtDebt consolidation mortgage in 2026: tame payments without new debt
Rolling high-interest debt into your mortgage can cut monthly payments a lot. Here's the math, the trade-offs, and the plan to keep it from coming back.
Mitch Conquer · October 22, 2026 · 5 min readRatesFixed or variable mortgage in late 2026: how to decide
A Bank of Canada hike may be on the table. Here's how fixed and variable mortgages work, what penalties look like, and how to pick.
Mitch Conquer · October 22, 2026 · 5 min readRatesMortgage rate holds in Canada: lock in before you buy or renew
Fixed rates are climbing. A rate hold can lock today's rate for up to 120 days while you shop or prepare to renew. Here's how it works.
Mitch Conquer · October 22, 2026 · 6 min read
Self-employedSelf-employed mortgage in Canada: how to get approved in 2026
Lenders want more proof of income from self-employed borrowers. Here's how they read your tax returns, when alternative lenders fit, and how to prepare.
Mitch Conquer · October 22, 2026 · 5 min readWant this applied to your numbers?
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