Learning Library – Malcolm the Mortgage Guy

Welcome to the Learning Library, Canada's Mortgage Knowledge Hub.
Your official go-to source for clear, expert mortgage knowledge, written in plain language.
Every section includes a Definitive Plain-Language PDF guide you can view or download, plus expert insights by topic.

Mortgage Clarity Starts Here

Mortgage Basics

Start here to understand how mortgages work in Canada.

📄 Download the Guide to Mortgage Basics (PDF) 🔍 Explore this Topic

Buying Your First Home

Guides for first-time buyers, from down payments to closing day.

📄 Download the Guide to Buying Your First Home (PDF) 🔍 Explore this Topic

Renewals and Refinancing Icon

Renewals and Refinancing

How to optimize your mortgage when it’s time to renew or refinance.

📄 Download the Guide to Renewals and Refinancing (PDF) 🔍 Explore this Topic

Advanced Mortgage Planning

Strategies for investors, entrepreneurs, and complex portfolios.

📄 Download the Guide to Advanced Mortgage Planning (PDF) 🔍 Explore this Topic

Government Programs and Market Trends

Incentives, regulations, and policy shifts that impact homebuyers.

📄 Download the Guide to Government Programs and Market Trends (PDF) 🔍 Explore this Topic

Indigenous Mortgage Access Icon

Indigenous Mortgage Access

Programs and support options for on- and off-reserve borrowers.

📄 Download the Guide to Indigenous Mortgage Access (PDF) 🔍 Explore this Topic

Real Estate Market Insights Icon

Real Estate Market Insights

Trends and analysis from Canada’s most trusted market sources.

📄 Download the Guide to Real Estate Market Insights (PDF) 🔍 Explore this Topic

Credit and Financing Education

Everything you need to know about credit, debt, and approval.

📄 Download the Guide to Credit and Financing Education (PDF) 🔍 Explore this Topic

Mortgage Planning by Life Stage

Tailored advice for students, families, retirees, and beyond.

📄 Download the Guide to Mortgage Planning by Life Stage (PDF) 🔍 Explore this Topic

Transparency Statements and Legal Disclaimers

Last updated: June 14, 2025
This website, operated under the brand MalcolmtheMortgageGuy.ca, provides general information, tools, and services related to Canadian mortgages. The following disclaimers apply to all content, interactions, calculators, and tools provided on this site.
Malcolm Stoffman
Mortgage Broker (M18002114)
Real Mortgage Associates Inc. (FSRA 10464)
905-517-4228
1. Informational Purposes Only The information presented on this website, including chatbot responses, calculators, guides, and blog posts, is intended for general informational purposes only. It is not intended as financial, legal, tax, or mortgage advice and should not be relied upon as such. Please consult a qualified professional before making any mortgage or financial decision. 2. No Broker-Client Relationship Accessing or interacting with this website does not create a broker-client relationship. A formal relationship with Malcolm the Mortgage Guy, or any licensed representative, is only established upon execution of a written agreement and formal submission of a mortgage application. No fiduciary duty arises from the use of this site or its tools. 3. Mortgage Rate Information All rates displayed on this website, including featured or “best” rates, are subject to change without notice. Rates may vary depending on the type of borrower, mortgage product, property, credit profile, and other factors. Not all users will qualify for displayed rates, and eligibility is determined by full lender underwriting. Featured rates may include promotional offers or represent lenders who pay to be highlighted. We make every effort to clearly identify such placements. 4. Approvals Subject to Underwriting Any pre-qualification estimates or affordability projections provided through this site or its chatbot are based on limited user input and general lending criteria. Final mortgage approvals are conditional upon full documentation review, credit verification, income confirmation, and lender assessment. No guarantee of approval is provided or implied. 5. AI and Chatbot Content Some interactions on this site are powered by artificial intelligence (AI) for the purpose of answering common mortgage questions and simulating mortgage scenarios. While trained on expert data and Canadian mortgage rules, the AI may occasionally generate simplified, outdated, or incorrect information. Important: Not all AI content is reviewed or verified for accuracy. Always cross-reference critical advice or results with a licensed professional. 6. Accuracy and Timeliness of Information We strive to ensure the accuracy, reliability, and timeliness of all information posted on this website. However, mortgage rules, rates, and regulations are subject to change at any time. We make no guarantees regarding the completeness or ongoing accuracy of content, and accept no liability for errors or omissions. 7. Advertising and Compensation Malcolm the Mortgage Guy may receive compensation from lenders and partners for funded mortgage transactions. In addition, we may feature paid advertisements, sponsored rates, or affiliate content. Sponsored placements are designed to be transparent and clearly marked where applicable. 8. Third-Party Content and Tools This website may link to third-party websites or embed external content such as news feeds, calculators, or financial tools. We do not control or guarantee the accuracy, privacy, or security of any third-party content or platforms. 9. Privacy and Data Use By using this website, you acknowledge and agree to the terms of our [Privacy Policy], which outlines how personal information and website data are collected, stored, and used. Any data you voluntarily submit, such as through a chatbot or calculator, may be used to improve user experience or to provide follow-up assistance. 10. Jurisdiction and Compliance This website is intended for use by residents of Ontario, Canada, and complies with applicable mortgage regulations within that jurisdiction. Use of this site from other provinces or countries is not guaranteed to comply with local laws or lending practice

Mortgage Chatbot

Hi there! I’m Malcolm, your mortgage guide 🤖

Hey Malcolm! What’s the best 5-year fixed rate today?

Great question! Today’s best 5-year fixed is 4.79%.*

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