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Imagine Part of Your Mortgage Payment Coming From Dividends Instead of Your Paycheque

September 30, 2026

The average Canadian mortgage payment in 2026 is about $2,867 monthly, varying by region. Investing $1,000 monthly in dividend stocks with a 7% annual return could grow to $225,000 in 12 years, allowing a 4% withdrawal to cover roughly 25% of mortgage costs. High-yield dividend stocks, like those offering around 6%, can provide steady income. Holding these stocks in a TFSA shelters dividends and gains from taxes, helping homeowners offset mortgage payments over time.

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