What comes out of a Canadian paycheck — federal tax, provincial tax, CPP and EI — and roughly what you keep in Ontario, BC, Alberta, and beyond.

If your down payment is under 20% in Canada, you pay CMHC mortgage insurance. Here is how the premium works, what it costs, and how to avoid it.

The two debt-ratio rules Canadian lenders use, how the mortgage stress test works, and a worked example on a $100,000 income — plus what CMHC insurance adds.