The period over which a mortgage is scheduled to be fully paid off through regular payments of principal and interest. In Canada, common amortization periods are 25 or 30 years, though the mortgage term (when you renegotiate) is typically 1-5 years. A longer amortization lowers monthly payments, improving cash flow but increasing total interest paid.
Related Articles
- 25-Year vs 30-Year Amortization: Which Saves More?
Compare 25-year and 30-year amortization side by side. Monthly payment differences, total interest costs, and which schedule works best for Canadian investors.
- Fix Negative Cash Flow on Rentals: 3 Proven Methods
Turn cash-flow-negative rentals profitable with three proven strategies. Interest-only mortgages, amortization extensions, and refinancing options in Canada.
- A-Lender vs B-Lender vs Private Lender: Which Fits Your Deal?
Compare A-lenders, B-lenders, and private lenders for investment mortgages. Rates, qualification criteria, and when to use each in Canada.
- Airbnb vs Long-Term Rental Cash Flow in Canada
Side-by-side cash flow comparison of Airbnb and long-term rentals in Canada, with real expenses, occupancy math, and breakeven rates.
- How to Analyze Investment Property: Step-by-Step (Canada 2026)
Master investment property analysis with cash flow, cap rates, and expense frameworks for Canadian investors — updated July 2026.
- Annual Portfolio Review: Find Trapped Equity in 7 Steps
Run a thorough annual real estate portfolio review with this 7-step checklist. Uncover trapped equity, optimize cash flow, and plan your next Canadian deal.
← Mortgage & Real Estate Glossary 2026 · Editorial standards