The mortgage market in 2025 isn’t what it used to be. If you’re buying a home, renewing a mortgage, or investing in property in Ontario this year, the rules of the game have changed—and staying ahead means understanding the shifts that matter.

Buying your first home in Ontario can feel overwhelming with acronyms, down payment rules, and mortgages floating around. This guide breaks it down clearly—so you know exactly what to expect and how to make confident decisions.