{"id":23217,"date":"2023-11-16T08:00:00","date_gmt":"2023-11-16T13:00:00","guid":{"rendered":"https:\/\/www.zolo.ca\/blog\/?p=23217"},"modified":"2023-12-05T10:58:24","modified_gmt":"2023-12-05T15:58:24","slug":"mortgage-qualification","status":"publish","type":"post","link":"https:\/\/www.zolo.ca\/blog\/mortgage-qualification","title":{"rendered":"How to Qualify For a Mortgage in Canada"},"content":{"rendered":"\n\n\n<p>If you\u2019ve ever asked yourself, \u201cWill I qualify for a mortgage?\u201d you\u2019re not alone. Many aspiring homeowners wonder whether they have what it takes, financially speaking, to be approved for such a large loan. The truth is: <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/preparing-mortgage.html#toc1\">preparing for a mortgage<\/a> takes a lot of financial discipline. Before applying, you need to do the necessary groundwork to set you up for success.&nbsp;&nbsp;<\/p>\n\n\n\n<p>While not all mortgage lenders weigh qualifying factors the same, the approval criteria are generally the same across the board. So, if you\u2019re wondering how to qualify for a mortgage in Canada, know that all of the <a href=\"https:\/\/www.wealthrocket.com\/mortgages\/best-mortgage-brokers\/\">best mortgage brokers in Canada<\/a> will guide you toward a lender that will consider four major factors:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Income<\/li><li>Down payment<\/li><li>Credit score and history<\/li><li>Property of interest<\/li><\/ol>\n\n\n\n<p>Understanding these criteria can help you determine what you may need to improve on and how to qualify for a mortgage loan.<\/p>\n\n\n\n<section class=\"bg-white border-t border-b border-blacklight my-12 md:my-16 sticky md:relative top-0 md:top-auto z-10 md:z-auto alignwide  wp-block-zolo-block-toc \" aria-hidden=\"true\"><div class=\"wrapper relative max-w-2xl mx-auto md:py-8 flex flex-col flex-shrink-0 max-h-screen md:max-h-none\"><input type=\"checkbox\" id=\"toc-toggle\" class=\"hidden\"\/><label for=\"toc-toggle\" class=\"flex justify-between cursor-pointer md:cursor-auto py-4\"><div class=\"toc-title leading-normal font-medium m-0\">In this article<\/div><svg class=\"w-6 h-6 fill-current text-blue md:hidden transition-transform duration-150 ease-in-out\" viewbox=\"0 0 24 24\"><path d=\"M22 12c0-5.5-4.5-10-10-10S2 6.5 2 12s4.5 10 10 10 10-4.5 10-10zM6.9 10.9l1.4-1.4 3.7 3.7 3.7-3.7 1.4 1.4L12 16l-5.1-5.1z\"><\/path><\/svg><\/label><nav id=\"toc-nav\" class=\"zolo-toc-nav max-h-0 md:max-h-full overflow-y-auto scrollbar-hidden overscroll-none\"><ul class=\"zolo-toc-list my-4\"><li><a class=\"entry-title no-underline hover:underline\" href=\"#how-to-qualify-for-a-mortgage\">How to Qualify for a Mortgage<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#required-documentation-for-a-mortgage-loan\">Required documentation for a mortgage loan<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#common-mistakes-when-applying-for-a-mortgage\">Common Mistakes When Applying for a Mortgage<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#other-factors-that-affect-your-mortgage-application\">Other Factors That Affect Your Mortgage Application<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#how-to-apply-for-a-mortgage\">How to Apply For a Mortgage<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#faqs\">FAQs<\/a><\/li><\/ul><\/nav><\/div><\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-qualify-for-a-mortgage\">How to Qualify for a Mortgage<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2023\/11\/bigstock-Entrepreneurs-Business-Owners-473099105-2-1024x683.jpg\" alt=\"Entrepreneur saving for a home to qualify for a mortgage\" class=\"wp-image-23223\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-demonstrate-a-reliable-income\">Demonstrate a Reliable Income<\/h3>\n\n\n\n<p>Lenders will almost always look first at whether you have a stable annual income before approving you for a mortgage. To demonstrate that you do, you\u2019ll likely need to provide the lender with recent pay stubs, a letter of employment, or two years of tax returns (especially if you\u2019re self-employed). Generally speaking, those who earn a less stable income will typically be met with higher mortgage rates to make up for the added risk to the lender.<\/p>\n\n\n\n<p>To find out what size mortgage you might qualify for, a good place to start is with a <a href=\"https:\/\/www.cmhc-schl.gc.ca\/consumers\/home-buying\/calculators\/affordability-calculator\">mortgage affordability calculator<\/a>. A mortgage affordability calculator will provide a rough idea of how much you can afford to borrow, and whether you can handle the estimated monthly payments. Keep in mind that a calculator is just a starting point. Your mortgage lender will break this down further when reviewing your application.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-satisfy-gds-and-tds-ratios\">Satisfy GDS and TDS Ratios<\/h3>\n\n\n\n<p>Mortgage lenders use <a href=\"https:\/\/www.cmhc-schl.gc.ca\/consumers\/home-buying\/calculators\/debt-service-calculator\">gross debt service (GDS) and total debt service (TDS) ratios<\/a> to see what you can afford based on your annual income. They follow the Canada Mortgage and Housing Corporation (CMHC)\u2019s guideline of no more than 39% of your monthly income going toward housing expenses.<\/p>\n\n\n\n<figure class=\"wp-block-gallery columns-2 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><img decoding=\"async\" width=\"1025\" height=\"891\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2023\/10\/133610-Zolo_How-Much-Mortgage-Can-I-Afford_Visual-2_Superside_V1-100.jpg\" alt=\"\" data-id=\"23162\" data-full-url=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2023\/10\/133610-Zolo_How-Much-Mortgage-Can-I-Afford_Visual-2_Superside_V1-100.jpg\" data-link=\"https:\/\/www.zolo.ca\/blog\/how-much-mortgage-can-you-afford\/133610-zolo_how-much-mortgage-can-i-afford_visual-2_superside_v1-100\" class=\"wp-image-23162\"\/><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><img decoding=\"async\" width=\"1025\" height=\"891\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2023\/10\/133610-Zolo_How-Much-Mortgage-Can-I-Afford_Visual-2_Superside_V1_1-100.jpg\" alt=\"\" data-id=\"23163\" data-full-url=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2023\/10\/133610-Zolo_How-Much-Mortgage-Can-I-Afford_Visual-2_Superside_V1_1-100.jpg\" data-link=\"https:\/\/www.zolo.ca\/blog\/how-much-mortgage-can-you-afford\/133610-zolo_how-much-mortgage-can-i-afford_visual-2_superside_v1_1-100\" class=\"wp-image-23163\"\/><\/figure><\/li><\/ul><\/figure>\n\n\n\n<p>Suppose you can\u2019t qualify for a mortgage based on your GDS ratio. In that case, you\u2019ll need to either reapply when you have a higher income or get another party involved like a co-signer or guarantor with strong finances. Adding a guarantor or co-signer to your loan application means they are responsible for paying the mortgage too, which reduces the risk to your lender.If your TDS ratio prevents you from qualifying for a mortgage, the best step you can take is to pay off debt. Next, you\u2019ll have to pass the mortgage stress test.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pass-the-mortgage-stress-test\">Pass the Mortgage Stress Test<\/h3>\n\n\n\n<p>Finally, the last step in demonstrating a sufficient income for your mortgage is to pass the <a href=\"https:\/\/www.zolo.ca\/blog\/what-is-the-mortgage-stress-test\">mortgage stress test<\/a>.&nbsp; Your lender will check to see if you would still be within the recommended GDS ratio if your mortgage interest rate were to increase by two percentage points or reach the Bank of Canada\u2019s 5-year benchmark rate (currently 5.25%,) whichever happens to be higher. If you pass the stress test, you\u2019ll likely qualify for a mortgage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-choose-the-right-down-payment-size\">Choose the Right Down Payment Size<\/h3>\n\n\n\n<p>While a larger down payment will lower your mortgage payments and improve your chances of qualifying by lowering your risk profile, it will also make it much easier to meet GDS and TDS ratios.<\/p>\n\n\n\n<p>One of the biggest benefits of paying more upfront is reducing the interest you\u2019ll pay over the length of your mortgage.<\/p>\n\n\n\n<section class=\"wp-block-zolo-related flex items-center py-6 leading-tight border-t border-b border-blacklight undefined\"><p class=\"font-serif pr-6 md:pr-12 mr-6 md:flex-shrink-0 border-r border-blacklight\">Related content<\/p><p class=\"related-link w-full my-0\"><a href=\"https:\/\/www.zolo.ca\/blog\/best-mortgage-calculators\">Best Mortgage Calculators in Canada<\/a><\/p><\/section>\n\n\n\n<p>The minimum size of your down payment depends on the purchase price of the home you\u2019re looking at, but generally speaking you\u2019ll have to pay at least <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/down-payment.html\">5%-20% of the purchase price<\/a>. If you&nbsp; put down more than the minimum amount required, this can help you qualify and make up for other areas where you may fall short.&nbsp;<\/p>\n\n\n\n<p>David O\u2019Leary, CFA charterholder and WealthRocket\u2019s personal finance expert, recommends considering the following factors when deciding on a down payment amount:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Mortgage rate:<\/strong> The higher it is, the more you\u2019ll want to pay upfront<\/li><li><strong>Down payment source:<\/strong> If funding comes from your RRSP or FHSA, it might make sense to take out more tax-free. But if you\u2019re withdrawing from a taxable investment account, you may want to withdraw less<\/li><li><strong>Financial goals:<\/strong> For example, maybe you\u2019re saving for your children\u2019s education. A smaller down payment leaves more for an RESP contribution that will be matched up to 20%<\/li><li><strong>Investment opportunities:<\/strong> You may want to keep more money invested if your rate of return is high<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-score-requirements\">Credit Score Requirements<\/h3>\n\n\n\n<p>To qualify for a mortgage with an A lender (a bank or financial institution that lends to those with at least average credit), <a href=\"https:\/\/www.consumer.equifax.ca\/personal\/education\/credit-score\/what-is-a-good-credit-score\/\">you\u2019ll need a credit score of 660 or higher<\/a>.<\/p>\n\n\n\n<p>If you struggle with low income or bad credit, B and C lenders are an option, which have more flexibility with credit history or salary. However, having a lower income or poor credit makes you a riskier borrower and will likely subject you to higher mortgage rates.&nbsp;<\/p>\n\n\n\n<p>Before resorting to secondary lenders, you should try to improve your credit score. You can do this by never missing bill payments, lowering your credit utilization ratio, or creating more credit streams that you pay off on time or early.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-risk-level-of-your-property\"><strong>The Risk Level of Your Property<\/strong><\/h3>\n\n\n\n<p>The home&#8217;s location, intended use, and structure can impact the lender\u2019s decision on whether or not you qualify. For example, some lenders <a href=\"https:\/\/www.theglobeandmail.com\/real-estate\/article-why-mortgage-market-may-isolate-off-the-grid-homes\/\">won\u2019t issue mortgages for off-grid homes<\/a> or homes in ultra remote areas, which can limit your lending options. Similarly, an investment property may warrant a higher down payment than a primary residence. Any limitations around the property you\u2019ve chosen usually have to do with the lender&#8217;s risk appetite.<\/p>\n\n\n\n<p>With that in mind, you\u2019ll want to make sure the home\u2019s use and composition and the lenders available to you align with your financial situation. To increase your chances of approval, it\u2019s worth clarifying whether the lender even approves your property type first.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"<strong&gt;required-documentation-for-a-mortgage-loan<\/strong&gt;\"><strong>Required documentation for a mortgage loan<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"684\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2023\/04\/Free-household-budget-templates-1024x684.png\" alt=\"\" class=\"wp-image-22785\"\/><\/figure>\n\n\n\n<p>While requirements can vary from lender to lender, you should have the following documentation ready when applying for a mortgage:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Proof of employment and income<\/strong>: Recent pay stubs, electronic direct deposit record, T1 General tax return with your Notice of Assessment, proof of prior place of employment, and proof of any additional income you make.<\/li><li><strong>Proof of down payment: <\/strong>Record of<strong> <\/strong>withdrawal from RRSP or FHSA, statement of savings from the last three months, a sale agreement, or a letter to confirm a gifted payment if applicable.<\/li><li><strong>Financial details: <\/strong>Assets and liabilities,<strong> <\/strong>void cheque, and a pre-approval certificate.<\/li><li><strong>Property documentation: <\/strong>Real estate listing, sale agreement, full address, added housing cost estimates (like property tax), your lawyer\u2019s contact information.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"<strong&gt;common-mistakes-when-applying-for-a-mortgage<\/strong&gt;\"><strong>Common Mistakes When Applying for a Mortgage<\/strong><\/h2>\n\n\n\n<p>No one is perfect, and homebuyers \u2013 especially first-time homebuyers \u2013 tend to make mistakes when applying for their first mortgage. These mistakes can cause delays in receiving funding, denial of your mortgage application, and considerable stress. Here are some of the most common scenarios and how to avoid them.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Being financially unprepared<\/strong>: Buying a home comes with many ancillary costs, many of which may come as a surprise. Account for closing costs, home insurance, property taxes, or condo fees. Budget 3-5% of the purchase price for these costs.<\/li><li>Thinking home costs stop at the mortgage payment: Unlike renting, you\u2019re responsible for more than the monthly mortgage payment\u2014budget for utilities, insurance, property taxes, maintenance, and renovations.&nbsp;<\/li><li><strong>Rising interest rates<\/strong>: If your mortgage is variable, remember your borrowing cost rises when national rates rise. Make sure you can afford higher mortgage payments.&nbsp;<\/li><li><strong>Not knowing what you are signing<\/strong>: Mortgage contracts are lengthy. Still, they are also the legal document representing the biggest purchase you\u2019ll ever make. Make sure you completely understand the terms and conditions of your mortgage.<\/li><\/ul>\n\n\n\n<p>\u201cMany people have agreed to purchase a home and take on a mortgage based on a set payment,\u201d says O\u2019Leary. \u201cBut interest rates have risen so high, so fast that their new payment is far too expensive for them, and they can\u2019t afford the house they\u2019ve agreed to buy by the time the purchase closes.\u201d<\/p>\n\n\n\n<p>Financial risk can also extend to whomever has helped the homebuyer secure their mortgage.<\/p>\n\n\n\n<section class=\"wp-block-zolo-related flex items-center py-6 leading-tight border-t border-b border-blacklight undefined\"><p class=\"font-serif pr-6 md:pr-12 mr-6 md:flex-shrink-0 border-r border-blacklight\">Related content<\/p><p class=\"related-link w-full my-0\"><a href=\"https:\/\/www.zolo.ca\/blog\/how-much-mortgage-can-you-afford\">How Much Mortgage Can You Afford? Is 30% of Your Income Realistic?<\/a><\/p><\/section>\n\n\n\n<p>\u201cI\u2019ve seen a lot of parents helping their kids get a mortgage by gifting them money to help provide a down payment,\u201d says O\u2019Leary. \u201cSometimes they sign on the mortgage to help their kids get approved. Many people don\u2019t realize this means their parents are now equally on the hook for the mortgage. So if the kids end up in financial trouble and file a consumer proposal or bankruptcy, the banks can come after the parents for the money.\u201d&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"<strong&gt;other-factors-that-affect-your-mortgage-application<\/strong&gt;\"><strong>Other Factors That Affect Your Mortgage Application<\/strong><\/h2>\n\n\n\n<p>There are several other factors O\u2019Leary says can come into play when lenders review your mortgage application, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Assets and savings<\/strong>: Your ability to save money can be an indicator of financial stability<\/li><li><strong>Amortization period<\/strong>: Shorter amortization periods mean higher monthly payments&nbsp;<\/li><li><strong>Interest rate type<\/strong>: Variable rates may be more challenging to qualify for due to the potential for rate increases and the stress test<\/li><li><strong>Loan-to-value (LTV) ratio<\/strong>: This is the ratio of your loan amount to the appraised value of your property. An LTV ratio above 80% will require mortgage default insurance<\/li><li><strong>Mortgage default insurance<\/strong>: Down payments worth less than 20% of the purchase price automatically require mortgage default insurance, which can affect the overall cost of your mortgage and may influence your lender&#8217;s decision to approve you<\/li><li><strong>Market conditions<\/strong>: The economy and housing market can inform a lender&#8217;s policies, which are used to review mortgage applications.<\/li><li><strong>Immigration status<\/strong>: Non-residents or new immigrants may face more requirements or limitations when securing a mortgage<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"<strong&gt;how-to-apply-for-a-mortgage<\/strong&gt;\"><strong>How to Apply For a Mortgage<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"684\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2022\/10\/Trigger-rates-1024x684.png\" alt=\"\" class=\"wp-image-22258\"\/><\/figure>\n\n\n\n<p>To get started on applying for a mortgage, take the following steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Introduction call. <\/strong>Speak to a few mortgage brokers and choose one that can find you a lender that fits your budget.<\/li><li><strong>Get pre-approved<\/strong>. It\u2019s good to secure a <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/preapproval-qualify-mortgage.html\">pre-approval<\/a> before viewing homes. This ensures you\u2019re ready to make an offer when you find the right home. That said, only serious buyers should request a pre-approval, as hard credit inquiries can temporarily lower your credit score.&nbsp;<\/li><li><strong>Mortgage approval and funding.<\/strong> Once the seller accepts your offer and signs a purchase agreement, the lender will make its final approval and grant you a mortgage.<\/li><\/ol>\n\n\n\n<p>Now that you know how to qualify for a mortgage in Canada,  consider these factors before making one of the biggest purchases of your lifetime. Rather than having a lender deny your mortgage application for avoidable reasons, come prepared. Arm yourself with knowledge and documentation when buying your first home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\">FAQs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"<strong&gt;how-much-of-a-mortgage-can-i-qualify-for?<\/strong&gt;\"><strong>How much of a mortgage can I qualify for?<\/strong><\/h3>\n\n\n\n<p>Your maximum mortgage size depends on many factors, including income, credit history, and down payment size. You can use a mortgage calculator to get an estimate, but the best way to determine the exact number is to work with a mortgage broker.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"<strong&gt;what-do-you-need-to-qualify-for-a-mortgage?<\/strong&gt;\"><strong>What do you need to qualify for a mortgage?<\/strong><\/h3>\n\n\n\n<p>You\u2019ll need a healthy income and a good credit score to qualify for a mortgage. You&#8217;ll also need a down payment that meets the minimum requirements and a property that meets lender requirements. You\u2019ll also need the appropriate documentation that proves all of this.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"<strong&gt;how-much-income-do-i-need-for-a-mortgage?<\/strong&gt;\"><strong>How much income do I need for a mortgage?<\/strong><\/h3>\n\n\n\n<p>There is no set income for a mortgage application. Your income must prove that you can consistently cover the lifetime of the loan through monthly payments.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A lot goes into qualifying for a mortgage, here&#8217;s how to prepare your finances<\/p>\n","protected":false},"author":117,"featured_media":23218,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"guide":[],"class_list":["post-23217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"acf":[],"zolo_excerpt":"","_links":{"self":[{"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/posts\/23217","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/users\/117"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/comments?post=23217"}],"version-history":[{"count":3,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/posts\/23217\/revisions"}],"predecessor-version":[{"id":23224,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/posts\/23217\/revisions\/23224"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/media\/23218"}],"wp:attachment":[{"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/media?parent=23217"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/categories?post=23217"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/tags?post=23217"},{"taxonomy":"guide","embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/guide?post=23217"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}