Editorial Standards
How we research, write and maintain every article on Mortgage Library.
Mortgage Library exists to explain Canadian mortgages clearly and fairly. These standards describe how we choose topics, research and write our content, and keep it accurate over time.
Independence and how we make money
Mortgage Library is not a lender or a mortgage brokerage, and we don’t arrange financing ourselves. The site is free to read.
We may earn a referral fee when a reader chooses to connect with a lender or mortgage professional we work with. That is how we keep the site free. Referral relationships never decide what we write, how we explain a product, or which options we describe, and our guides cover choices that don’t earn us anything.
Wherever a page includes a referral link or offer, we say so clearly on that page. Sponsored content, if we ever publish it, will be labelled as sponsored.
How we choose topics
We focus on the questions Canadians actually face: buying a first home, renewing, refinancing, qualifying, and understanding how rate changes affect a payment. Reader questions and changes to rules or rates often shape what we cover next.
How we research
We base our content on primary and authoritative sources wherever possible, including:
- The Financial Consumer Agency of Canada (FCAC)
- The Office of the Superintendent of Financial Institutions (OSFI)
- Canada Mortgage and Housing Corporation (CMHC)
- The Bank of Canada
- Provincial regulators and government programs
- Lenders’ own published product and policy documents
Plain English, Canadian context
We write for readers, not for the industry. We explain terms when we first use them, use realistic Canadian examples, and apply Canadian rules, such as semi-annual compounding and the mortgage stress test. Where rules differ by province, we say so.
Accuracy and updates
Mortgage rules and rates change often. We review articles when relevant rules change and update them so readers are not relying on outdated information. Examples and figures in our articles are illustrations, not quotes or offers.
Corrections
If you believe something we’ve published is wrong or out of date, please email info@mortgagelibrary.ca. We review every report, and when we find an error we fix it promptly. Where a correction changes the meaning of an article, we note it on the page.
Not personal advice
Our content is educational and general. It can help you understand your options and ask better questions, but it is not a substitute for advice from a licensed mortgage professional who knows your situation. See our Terms of Use for more.