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Clay Jarvis
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Clay Jarvis

Clay Jarvis

Lead Writer/Spokesperson Homebuying, mortgages, real estate investing

Clay Jarvis is NerdWallet’s mortgage and real estate expert in Canada. Thus far, his entire professional writing career has revolved around real estate. Prior to joining NerdWallet, he was the editor and senior writer for four publications, including the leading website for the country’s mortgage industry, Mortgage Broker News. Clay has written 30,000-word examinations of Canada’s real estate investment market, interviewed the industry’s most powerful leaders and analysts, and has helped choose both the nation’s top realtors and mortgage brokers. He is based in Toronto, Ontario.

Education: B.Ed from University of Saskatchewan

Previous Experience:

Mortgage writer, Wise Publishing
Editor, Mortgage Broker News
Editor, Canadian Mortgage Professional
Editor, Real Estate Professional
Editor, Canadian Real Estate Wealth

The latest from Clay

How to Transfer a Car Loan in Canada

Transferring a car loan is an alternative way of selling your vehicle. Be aware of your lender's terms, conditions and fees before agreeing to a loan transfer.

Will Mortgage Rule Changes Make It Even Harder to Buy a House?

OSFI's proposed changes to Canada’s mortgage guidelines could make home buying even more challenging, especially if you already have a high amount of debt.

Personal Line of Credit vs Car Loan: How to Choose

Both a personal line of credit and a car loan can be used to purchase a vehicle, but interest rates, credit limits and total cost may vary.

4 Paths to a More Affordable Mortgage Payment

If your variable-rate mortgage payments are becoming too high to manage, options like payment deferrals and reamortizing can help keep you on track.

3 Ways to Take on a Budget-Busting Mortgage Renewal

With interest rates still high, renewing your mortgage probably won’t be the best part of your 2024. If you’re worried about the impending cost of your home loan, keep these strategies in mind.

Small Business Loan vs. Personal Loan: How to Choose

Small business loans typically have higher loan limits and lower interest rates, but personal loans may be easier to qualify for.

Calculator: How Much Mortgage Can You Afford?

Use our mortgage affordability calculator to see how your interest rate, down payment and debt ratios affect your housing budget.

Current Mortgage Rates In Winnipeg

View fixed and variable mortgage rate offers from banks and alternative lenders in Winnipeg. Quickly compare rates to find the best mortgage for your home buying needs.

3 Budget-Friendly Date Swaps That Don’t Skimp on Romance

Valentine’s Day can be expensive, particularly when inflation is sky-high. But it’s possible to be both romantic and responsible with your finances on this most special of made-up holidays.

2023 Canadian Home Buyer Report

Between high rates and home prices, buying a home in Canada is about as challenging as it’s ever been. But the majority of Canadians still see themselves as future homeowners.

Will COVID-19 Benefit Repayments Shrink Your Tax Refund?

If you received COVID-19 benefits in 2022, you have to account for them in your tax return. There could be additional tax implications if you received COVID benefits you weren’t entitled to.

6 Financial Trends That Could Shape 2023: Recession, Housing, Crypto and More

Persistent inflation and a minor recession are expected in 2023, but so is increased stability in the housing and stock markets. Start preparing your finances now and you could take advantage of the uncertainty.

The Canada Dental Benefit: Who’s Eligible and How to Apply

The new Canada Dental Benefit aims to reduce dental costs for families earning less than $90,000 a year. Benefits are somewhat limited, and only apply to children under 12.

How to Get the $500 Canada Housing Benefit Top-up

As of December 12, 2022, eligible renters can receive a Canada Housing Benefit top-up of $500. Find out if you qualify and how to apply.

Preparing For Mortgage Renewal Shock

If your mortgage renews in the coming months, it’s going to sting. Prepare for renewal shock by shopping around and understanding your options.

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