Find today's best mortgage rate — and the plan that goes with it.
Get a personalized mortgage rate quote in under two minutes. One licensed broker, our full lender panel, and a straight answer about what you actually qualify for.
5-year fixed
Best available insured rate for a well-qualified borrower.
*Insured 5-year fixed. Rate shown is a best-available rate for well-qualified insured borrowers and is not a commitment to lend. O.A.C.
We place your mortgage with Canada's banks, monolines, credit unions and alternative lenders
Lender names shown for reference. Availability, pricing and guidelines vary by province, property and borrower profile.
3 steps to mortgage freedom
Most people treat a mortgage as a rate to accept. It is a five-year contract with a payment, a penalty and an exit — and the difference between shopping it and signing it is measured in tens of thousands of dollars.
Know your real number
Not a teaser rate and not a free-app credit score. We pull the actual bureau file a lender will read, run an automated valuation on your property, and tell you the rate and amount you can genuinely expect — before you commit to anything.
Put the lenders in competition
Your file goes out to the lenders whose guidelines actually fit it, and they come back with real terms. You see the offers side by side: rate, penalty language, prepayment privileges and fees. Then we go back and negotiate on the one you want.
Close it, then execute the plan
Documents are reviewed and signed digitally, conditions are cleared by our team, and your lawyer is briefed before funding day. Then you get a three-year plan — the prepayments, the credit repair, the renewal date — so the next mortgage is cheaper than this one.
Four situations where the right lender changes everything
These are the files we run every day. Each one has a page with the real numbers, four worked scenarios and the questions people actually ask.
Best renewal rate
Your lender's renewal letter is an offer, not a verdict. Roughly seven in ten Canadians sign the first renewal offer they are sent. That letter is priced on the assumption that you will not shop it. We do — across our full lender panel — and because an uninsured straight switch is exempt from the stress test, moving is usually easier than people expect.
Lower payments with a refinance
Take the pressure off the month, not just the mortgage. Refinancing to 80% of your home's value lets you roll high-interest debt into mortgage-rate money, reset the amortization, or pull out cash for what is actually urgent. The point is not a lower rate for its own sake. The point is what is left in your account on the 15th.
Self-employed and business-for-self
Your accountant did their job. Now we do ours. Writing off every legitimate expense is smart tax planning and terrible mortgage planning — the income on your Notice of Assessment is not the income your business actually produced. We work with lenders who use add-backs, bank-statement and stated-income programs to underwrite what you really earn.
Home equity loans & lines
The cheapest money you will ever borrow is already in your walls. A HELOC gives you a revolving limit to 65% of your home's value and you pay interest only on what you draw. A home equity loan or second mortgage gives you a lump sum without disturbing a first mortgage you want to keep. Different tools, very different costs — we will tell you which one your situation actually calls for.
A mortgage process built this decade
Six things we do that a branch appointment does not. None of them are gimmicks — each one either gets you a better number or saves you a week.
Credit, decoded
Free credit-score apps show you a number no lender uses. We read the same bureau file the underwriter reads and tell you exactly which two or three items are costing you rate — and what moving them is worth in dollars.
Your home's real number, at no cost
Before anyone orders a $400 appraisal, we run your property through the same automated valuation models the lenders use. You find out what your equity is actually worth in minutes, not in a week.
Every offer, side by side
We show you how your application stacks up across our full lender panel and lay the live offers out next to each other — rate, penalty, portability, prepayment privileges, fees — before you say yes to anything.
A three-year plan, not just a mortgage
Borrowing money without a plan is a bad plan. Every mortgage we place comes with a written three-year plan: what to prepay, what to fix on your credit, and exactly what has to be true by your renewal date.
Do the whole thing from your phone
Upload documents with your camera, review terms in plain language, and sign securely from your kitchen table. Branch appointments are optional, and most of our clients never book one.
A real person after closing
Funding day is the start, not the finish. You are assigned a client-care contact who tracks your plan, watches your renewal date, and calls you before your lender's letter arrives.
How we use AI to save you more
AI does not approve your mortgage — a human underwriter does, and a licensed broker still has to pick up the phone and argue for you. What our tooling does is remove the guesswork that costs borrowers money: the lender nobody thought to check, the guideline that changed last month, the penalty clause nobody read.
- We read the whole lender rulebook, not the popular partsGuidelines change constantly across dozens of lenders. Our tooling keeps every current guideline searchable, so your file is matched to the lender whose rules it actually fits — including the programs that never get advertised.
- We spot the decline before the lender doesYour application is scored against each lender's underwriting logic before it is ever submitted. Weak spots get fixed first. Fewer declines means fewer credit hits and a stronger negotiating position.
- We model the real cost, not the headline rateA 4.09% mortgage with a punishing IRD penalty can cost more than a 4.29% one you can actually leave. We model rate, penalty, prepayment privileges and fees across the full term so you are comparing true cost.
- We watch your renewal for youYour file is monitored against live rates and your renewal window. When there is money on the table — a blend, a switch, an early renewal — you hear about it from us first, with the numbers already run.
What the analysis looks at
Every file is still reviewed and submitted by a licensed mortgage professional. Approval decisions are made by lenders, not by software.
Tell us the situation. We'll tell you the options.
You will speak to a licensed mortgage broker, not a call centre. We will tell you what you qualify for, what it costs, and — if your current deal is already good — we will tell you that instead of selling you something.
- Within one business day — a licensed broker reviews your file and calls you.
- Day two or three — we come back with live options from the lenders whose guidelines fit, side by side.
- Only then — a credit pull, and only with your written consent.
- If your current deal is better — we say so, and you owe us nothing.
Get your rate quote in under 2 minutes
Six questions. A licensed broker reviews your file and calls back with real options.
Our four-step process
The same four steps on every file, whether it is a straightforward switch or a rescue with a deadline.
Understanding the situation
We start with a real conversation, not a form. What is the payment doing to your month? What is the deadline? What has already been declined and why? Everything after this depends on getting this part right.
Finding a solution
Your file is matched against our full lender panel — banks, monolines, credit unions, alternative lenders and private capital — and structured to fit the guideline it will actually be approved under, the first time.
Negotiating rates
We do not accept the first number. Volume and lender relationships get your file priced as an exception, not as a walk-in. Then we compare the true cost — rate, penalty, prepayment terms and fees — side by side.
Stress-free closing
Documents are signed digitally, conditions are cleared by our team, and your lawyer is briefed before funding day. You get one point of contact from approval to keys, and a plan for what happens next.
What clients say after closing
This section renders live Google reviews. Connect the Google Business Profile feed and they appear here.
Google reviews slot — not yet connected
Drop the live reviews into content/reviews.json (name, rating, date, text)
or point this container at your review-widget embed, and they render here in this
Google-style carousel with aggregate-rating schema. It is deliberately empty until
then: no invented testimonials, no invented star rating.
Run the numbers yourself
Four calculators built on Canadian semi-annual compounding — the same math your lender uses.
Call to discuss your file
Fifteen minutes with a licensed broker will tell you more than an hour of reading rate tables. No cost, no obligation, and a straight answer either way.
Mortgage questions Canadians actually ask
On standard residential deals, no. The lender pays the brokerage a finder's fee when your mortgage funds, so the service is free to you and the rate you are quoted is not marked up to cover it. On alternative and private files a broker fee can apply — if it does, it is disclosed in writing before you sign anything, never after.
A single enquiry has a small, temporary effect, and mortgage enquiries made while you are shopping are generally treated as one event by the bureaus rather than several. We pull your credit once and use that one report across the lenders we approach — we do not scatter your file across a dozen lenders and let each one pull you.
As of August 2026, the best available 5-year fixed rate for a well-qualified insured borrower is around 4.09%, with uninsured 5-year fixed near 4.29% and 5-year variable near 3.35%. Prime is 4.45% and the Bank of Canada policy rate is 2.25%. Your actual rate depends on your loan-to-value, credit, property type, amortization and whether the mortgage is insured.
Usually. Federally regulated lenders qualify you at the greater of your contract rate plus 2% or 5.25%. The important exception is at renewal: since November 2024, an uninsured straight switch to a new federally regulated lender is exempt, as long as you are not increasing the loan amount or the amortization. That single rule change is why switching lenders at renewal is far easier than most people assume.
For a refinance, up to 80% of your home's appraised value less what you still owe. A revolving HELOC is capped at 65% of value on its own, though it can sit inside a combined 80% facility alongside an amortizing portion. Second mortgages and private lending can go higher in specific situations, at a higher cost.
No. A bank decline is one lender's guideline saying no, not a verdict on you. Alternative (B) lenders price roughly one to two percent above bank rates plus a lender fee and underwrite bruised credit and non-traditional income. Private lenders lend on equity. Both are legitimate, regulated routes — and both should come with a written plan to move you back to a lower-cost lender.
A pre-approval can usually be turned around in one to three business days once your documents are in. A straightforward refinance or switch typically funds in two to four weeks. Urgent files — a closing date that has moved, a power of sale deadline — can be arranged far faster with alternative or private lenders when the situation calls for it.
We are a national brokerage and work with borrowers across Canada. Product availability, lender appetite and legal process vary by province — for example, Ontario uses power of sale while British Columbia and Alberta use court-supervised foreclosure — so the right lender for the same file can differ depending on where the property is.