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Mortgage Solutions That Fit Your Dreams

Whether you're buying your first home or refinancing, we have the perfect solution for your needs.

Rates from 3.65%

Home Purchase Loans

Get pre-approved and find the perfect mortgage for your new home.

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Rates from 3.99%

Mortgage Refinance

Lower your rate, access equity, or consolidate debt with a refinance.

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Rates from 3.99%

Debt Consolidation

Combine high-interest debts into one lower monthly payment.

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Rates from 3.65%

Mortgage Renewals

Don't auto-renew. Let us find you a better rate.

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Rates from 4.04%

Self-Employed Mortgages

Flexible mortgage solutions for business owners and freelancers.

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Rates from 4.09%

Investment Property Mortgages

Financing options for rental properties and real estate investments.

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Financial Tool

Mortgage Calculator

Estimate your monthly mortgage payments and see how different terms affect your costs.

$
5.50%
25 Years

Estimated Monthly Payment

$3,036

Total Interest

$410,751

Total Cost

$910,751

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*This calculator provides estimates only. Actual rates and payments may vary. Contact us for accurate quotes.

Simple Process

Quick, Easy & Flexible

Getting your mortgage shouldn't be complicated. Here's our simple 4-step process.

01

Tell Us Your Goals

Share your home financing needs and we'll understand your situation completely.

02

We Find Options

Our brokers compare rates from 50+ lenders to find your perfect match.

03

Easy Application

Simple paperwork with guidance every step of the way. No confusion.

04

Get Approved

Fast approval and funding so you can move forward with confidence.

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Knowledge Hub

Mortgage Tips & Expert Advice

Stay informed with the latest mortgage news, tips, and insights from our experts.

Bank of Canada Rate Forecast 2026: What Homeowners Should Expect - Market Updates mortgage article | Best Rates Canada
Market Updates

Bank of Canada Rate Forecast 2026: What Homeowners Should Expect

Expert analysis of where Canadian interest rates are headed in 2026 and what it means for your mortgage decisions.

Dec 20, 2025
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How Inflation Affects Your Mortgage Rate in Canada - Market Updates mortgage article | Best Rates Canada
Market Updates

How Inflation Affects Your Mortgage Rate in Canada

Understanding the direct link between inflation and mortgage rates helps you make smarter borrowing decisions.

Dec 18, 2025
7 min read
Canadian Housing Market Predictions for 2026: Expert Analysis - Market Updates mortgage article | Best Rates Canada
Market Updates

Canadian Housing Market Predictions for 2026: Expert Analysis

What's ahead for Canadian real estate in 2026? Expert predictions on prices, sales volume, and regional trends.

Dec 16, 2025
9 min read
View All Articles
FAQ

Frequently Asked Questions

Get answers to the most common questions about mortgages in Canada

The minimum down payment depends on the purchase price. For homes under $500,000, you need at least 5%. For homes between $500,000 and $999,999, it's 5% on the first $500,000 and 10% on the remainder. For homes $1 million or more, the minimum is 20%.
Most lenders require a minimum credit score of 620-680 for traditional mortgages. However, we work with various lenders and can often find solutions for clients with lower credit scores. A higher score typically means better rates and terms.
Our services are completely free for most borrowers. We're compensated by the lenders when your mortgage funds, so you get expert advice and access to the best rates at no cost to you.
Pre-approval can often be completed within 24-48 hours. Full mortgage approval typically takes 3-5 business days once all documents are submitted. We work efficiently to ensure you meet your closing deadlines.
Typically you'll need government-issued ID, proof of income (pay stubs, T4s, or tax returns for self-employed), bank statements, proof of down payment, and information about your current debts. We'll guide you through exactly what's needed for your situation.
Yes! We specialize in helping self-employed Canadians secure mortgages. While the process may require additional documentation like business financials and tax returns, we have access to lenders with programs designed specifically for self-employed borrowers.
A fixed rate stays the same throughout your term, providing payment stability. A variable rate fluctuates with the prime rate, which can mean savings when rates drop but higher payments if rates rise. We'll help you choose based on your risk tolerance and financial goals.
Refinancing may make sense if you can get a significantly lower rate, need to consolidate debt, want to access home equity, or your financial situation has changed. We can analyze your current mortgage and show you if refinancing would save you money.
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