Hi there,

A 20% down payment gets treated like the gold standard, but it’s not always the best move.

Yes, putting less than 20% down can mean mortgage insurance and slightly higher payments. But it can also mean keeping cash available for renovations, reducing financial pressure, and accessing first-time buyer incentives that disappear once you cross that 20% line.

The real question isn’t “How much should I put down?”

It’s “What works best for my income, timeline, and long-term plan?”

In this article, we break down when putting less than 20% down makes sense, when it doesn’t, and how to decide with confidence, without relying on outdated advice or one-size-fits-all rules.

Read the full breakdown before you decide.

Want to learn more? Let's chat.

(No pressure, just smart advice.)

Talk soon,

David

Most homeowners are quietly overpaying for their mortgage — not because rates are high, but because no one is watching for them.

That’s where my Mortgage Monitoring service comes in. It automatically tracks your current rate against the market and alerts you the moment you could save money — often months or even years before renewal.

What you’ll get:

• A free personalized rate watch report
• Early warning when you can save
• A no-obligation review to see if switching or refinancing makes sense

Why it’s free:
Because I’d rather earn your trust before you need me — not after the bank has locked you in again.

Spots in my monitoring system are limited — I personally review each file before activation to make sure the data’s accurate.

[Join Free Mortgage Monitoring] — takes 30 seconds, and could save you thousands.

P.S.
If you’re not sure what rate you’re actually paying, that’s your first signal to join. You’ll know instantly whether your bank is still competitive.

Upcoming Bank of Canada Interest Rate Announcements: 

• March 18, 2026

• April 29, 2026

Canada Child Benefit (CCB) Payments:

• February 20, 2026 

• March 20, 2026

• April 20, 2026

Want to learn more? Lets talk

David Pipe is a Mortgage Broker of TMG - The Mortgage Group, FSRA  #10315

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