Mortgage Loans in Canada

Mortgage Loans in Canada

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A mortgage loan in Canada is a financial agreement where a borrower borrows money to purchase a property, typically a home. The property itself serves as collateral for the loan. Canadians usually make a down payment and repay the mortgage through regular monthly payments over a fixed term, often 25 years. 

To qualify for a mortgage loan in Canada, you need a good credit score (usually 650+), stable employment, and a low debt-to-income ratio. A down payment, generally at least 5% for properties under $500,000 and higher for more expensive homes is required. You must provide proof of income, and employment history.

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