Open Financial perspectives

Ideas shaping better mortgage decisions.

Practical lending guidance and our perspective on the policy, data, and technology shaping Canadian mortgage services.

Policy and innovation

Current perspective

A formal contribution to the conversation about Canada's next financial infrastructure.

Cover of Open Financial's submission on Canada's proposed Consumer-Driven Banking Regulations.

Featured submission

Building an AI-Native Mortgage Experience on Canada's Consumer-Driven Banking Infrastructure

Our submission explains why consumer-permissioned data, responsible AI, and professional judgment belong together in the next generation of Canadian mortgage services.

August 26, 20269 min read
Read the perspective

Borrower decisions

Practical reading

A homeowner reviewing mortgage rate options.

Market Analysis

Fixed vs. variable mortgages: questions to compare.

Compare how each structure handles payment risk, penalties, flexibility, and the expected holding period.

March 28, 2026
A self-employed borrower organizing financial documents.

Self-Employed

Self-employed? How lenders may review income.

Learn how tax documents, business financials, deposits, contracts, and property details may support an income review.

March 21, 2026
A homeowner reviewing a mortgage renewal offer.

Renewals

Five questions to ask before a mortgage renewal.

Review total cost, switching requirements, timing, current borrower facts, and available lender paths before signing.

March 14, 2026