Mortgage rates in Ontario have been on a rollercoaster over the past few years. Whether you’re buying your first home, renewing your mortgage, or considering a refinance, it’s more important than ever to understand how these rates actually affect your monthly payments, long-term costs, and financial strategy.

Mortgage rates in Ontario have been on a rollercoaster over the past few years. Whether you’re buying your first home, renewing your mortgage, or considering a refinance, it’s more important than ever to understand how these rates actually affect your monthly payments, long-term costs, and financial strategy.