Mortgage education
Read the rate in context
Focused explanations for the calculations, labels and warnings used throughout the directory.
How to compare mortgage rates without comparing the wrong products
A practical framework for comparing mortgage rates, payments, terms, LTV limits, lender fees, qualification rows and source dates.
Mortgage LTV explained: purchase, refinance and combined LTV
Understand loan-to-value calculations and why a lender’s maximum LTV can change by product, mortgage position, property and location.
Fixed versus variable mortgages: what the rate does not tell you
Compare fixed, variable and adjustable mortgage structures using payment behaviour, Prime formulas, terms, fees and lender conditions.
Mortgage fees and term cost: look beyond the displayed rate
Learn how lender fees, fixed charges, term length and incomplete public wording affect a mortgage cost comparison.