Our Mortgages  Are:


We are always flexible enough to cover all of your financial needs, whichever those might be. Regardless of whether you’re about to make a first-time home purchase or are trying to refinance your current loan, we’re here to help you!


We understand that financial situations, credit scores, and other financially-related things can vary… That is why we employ a flexible, person-centric approach to each individual client who comes for our fiscal help…


With so many mortgages and loans featuring interest rates that are just outright bad, we’re here to level the field. Thanks to our refinancing and home equity programs you’ll be able to take back the control of your finances!


We’ll be glad to provide you with the most optimal solution  for all your mortgage matters.

Home Buying

Buying a home for the first time is a biggest purchase in our lifetime. Thanks to our lower-than-average interest rates a better mortgage will be possible!


We offer best rates for refinancing. Typically, you refinance your remaining balance or more to get the savings on your interest.

Home Equity Loans

A home equity loan is a type of loan in which the borrower uses the equity of his or her home as collateral for the money loan. The loan amount is determined by the value of the property.

Second Mortgages

At some point in your life, you will need a money loan to either pay for something you didn’t see coming or to bridge the gap to get something you’ve wanted for a long time. Whichever your situation is, we’ll help!

Mortgage Management

Do you feel too puzzled in a complexity of your mortgage’s payment plan, interest rates and all these other financial tricky nuances? If that’s so, then our Mortgage Planners will gladly help you out!

Rates & Calculator

Calculating rate, credit score or interest threshold shouldn’t be that hard. With that in mind, we’ve designed our own loan assessment tool, making your loan’s assessment an easier and more intuitive process.

Free Consultation for Home Buyers or Borrowers

Would you like to speak to one of our Mortgage Planners? Just submit your contact details and we’ll be in touch shortly. You can also email us if you prefer that type of communication.

What customers say about Best Rates

Through a recommendation from my friend, I engaged Voytek to assist me with the purchase of my first home. I have been extremely impressed by his reliable, professional and approachable way of working. As buying my first home was a very new experience for me I was somewhat daunted by the process. Voytek’s patience, thorough and transparent approach has been very reassuring and I was able to secure the best interest rate for my mortgage. I would highly recommend Best Rates and will definitely return for any future mortgage matters.

J. C., Ontario

I was a first time home buyer. I really had no idea what I was doing or what was required to secure a mortgage. Voytek and Monika were fantastic. Voytek was there day and night to take my calls to answer any questions I had and explain in detail all the mortgage jargon.  I would highly recommend Best Rates and would definitely use them again in the future.

G. W., BC

Voytek was great to deal with – he was thorough and informative but still easygoing and approachable throughout. I felt I could call at any time and ask him to clarify anything. No question was too silly! Saved us a huge amount of time and money. I would highly recommend the Best Rates.

A. H., Alberta

I’ve worked with Monika a few times now and she is fantastic. She works very hard to provide the best solution for individual circumstances and goes above and beyond in terms of service and communication. I would highly recommend working with her and Best Rates.

S. W., Ontario