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This publication outlines the terms and conditions of your mortgage, your rights and responsibilities, and tips on how to pay your mortgage off faster.

Table of Contents Before You Apply for a Mortgage Amortization Term Payment Options Types of Mortgages Down Payment Mortgage Default Insurance Credit Rating Special Options and Coercive Tied Selling (forced purchases)

• Know Yourself - How Much Can You Afford?
• Shop Around

Your Rights

• When You Apply for a Mortgage - Information That Must Be Provided to You
• When Your Mortgage Agreement Changes
• When You Renew Your Mortgage

• How to Pay Your Mortgage Off Faster
• Penalty Charges

Do's and Don'ts

• Before You Apply for a Mortgage
• Your Responsibilities
• Your Rights
• After You Have Applied for a Mortgage

Related Tools about Mortgages:

• FCAC Mortgage Calculator
• Mortgage Quiz

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