Starting August 1, first-time buyers eyeing new construction get a new trick to trim their payments: 30-year insured amortizations. But this magic has a price. Bumping the standard 25-year amortization up to 30 years jacks up the default insurance premium by 75 bps—assuming a high-ratio mortgage. On a 5%

5% cashback mortgages are the Rodney Dangerfield of lending—they get no respect. Critics pan their higher rates and the fact borrowers have to pay back the cash rebate (typically pro-rata) if they break the mortgage early. Yet, for the right borrower, these maligned products are a sleeper hit. In

For Alana Riley, Head of Mortgage, Insurance and Banking at IG Wealth Management, getting people into a mortgage that builds their net worth is not only her passion, it's her job. She oversees a team tasked with doing just that, so we thought a quick chat might be