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Whether you're buying your first home or refinancing, we have the perfect solution for your needs.
Get pre-approved and find the perfect mortgage for your new home.
Lower your rate, access equity, or consolidate debt with a refinance.
Don't auto-renew. Let us find you a better rate.
Flexible mortgage solutions for business owners and freelancers.
Financing options for rental properties and real estate investments.
Short-term financing to bridge the gap between buying and selling your home.
Estimate your monthly mortgage payments and see how different terms affect your costs.
Estimated Monthly Payment
$3,036
Total Interest
$410,751
Total Cost
$910,751
*This calculator provides estimates only. Actual rates and payments may vary. Contact us for accurate quotes.
Getting your mortgage shouldn't be complicated. Here's our simple 4-step process.
Share your home financing needs and we'll understand your situation completely.
Our brokers compare rates from 50+ lenders to find your perfect match.
Simple paperwork with guidance every step of the way. No confusion.
Fast approval and funding so you can move forward with confidence.
"We refinanced to access home equity for renovations. The process was quick and the rate was excellent. Highly professional service."
Christopher B.
Verified Client
"I did some research on mortgage rates, and Best Rates really do have the best rates! Voytek took care of everything quickly and professionally. He is extremely communicative and kept me informed with every step of the process."
Jenny S.
"Exceptional service from start to finish. They made the complex process of buying our dream home feel simple and stress-free."
Chris & Jennifer B.
Home Buyers
"We've used Best Rates for three properties now. Their service is consistently excellent, and they always find us the best rates in the market."
Elizabeth & Tom R.
Repeat Clients
"Working with Monika & Voytek has been an absolute pleasure! Monika always goes the extra mile to find the best mortgage rates and save money for the client. As a realtor, I know that I can always trust them and refer them to any of my clients!"
Sabrina T.
Meet the team behind your best rate
The best rate isn't always the lowest — it's the one that fits your life. We strategize with you, consult on your goals, and work with 50+ lenders to find the right mortgage for your situation.
Mortgage Agent Level 2 · Lic# M13000687
Passionate about finding the perfect mortgage fit for every client. Monika brings warmth, patience, and deep market knowledge to every consultation.
Mortgage Agent Level 2 · Lic# M12001155
Detail-oriented and results-driven, Voytek works tirelessly to secure the best rates and terms. His clients trust him for his transparency and speed.
Licensed under Verico MortgagePal Inc Broker Lic#12685
Stay informed with the latest mortgage news, tips, and insights from our experts.
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Pre-construction purchases have unique mortgage risks. Deposit structures, assignment clauses, and financing pitfalls every buyer should understand.
What happens when you invest your car payment instead of financing a new vehicle? A side-by-side comparison using real Canadian numbers and the TFSA.
Home equity is leverage. Used well, it builds wealth. Used badly, it hands the bank your retirement.
In Ontario, the HELOC-vs-equity-loan answer changes based on title structure, lender stack, and how fast you'll repay.
Everything Canadian homeowners need to know about home equity loans — how they work, current rates, qualification requirements, and how to choose between a HEL, HELOC, or refinance.
Down payment rules, rental income offsets, qualifying ratios, and the lender quirks that make or break an investment property deal in Canada.
Learn how Canadian rental property owners can legally convert non-deductible personal mortgage interest into tax-deductible investment debt through cash damming.
Learn how the Smith Manoeuvre can transform your non-deductible Canadian mortgage into tax-deductible investment debt, potentially saving you thousands annually.
Unlock the secret to maximizing tax savings on your rental properties with the innovative strategy of rental cash damming. This comprehensive guide will walk you...
Budget properly for your home purchase by understanding all the closing costs you'll encounter.
Get answers to the most common questions about mortgages in Canada
Speak with our mortgage experts today. We'll help you find the perfect solution for your home financing needs.
Free Consultation
(416) 822-7357
Email Us
mortgage@bestrates.ca
Office Location
103 - 1660 North Service Rd E Suite 205, Oakville, ON L6H 7G3
Working Hours
Mon - Fri: 9am - 6pm
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