Mortgage rates
The best rate is the one that fits your file.
Posted rates make great headlines and poor promises. Your real rate depends on your down payment, credit, property, income and term — and it changes daily. Here’s how I get you the right one.
Why I don’t post a single “today’s rate”
A rate you see online is usually a best-case teaser for an ideal borrower on an insured, high-ratio mortgage. The moment your situation differs — 20%+ down, a rental, self-employed income, a switch vs a purchase — that number can change. Quoting one rate to everyone would be misleading, and on a mortgage that’s the last thing you need.
Instead, I shop 50+ lenders — banks, credit unions, monoline and alternative lenders — and bring you the genuinely best option for your file, fixed or variable, with the features that matter (prepayment privileges, portability, penalties). In most cases the lender pays my commission, so this costs you $0.
What moves your rate
- Down payment / loan-to-value (and whether it’s insured)
- Credit profile and income type (T4, self-employed, commission)
- Property type and use (home vs rental vs second property)
- Term length and fixed vs variable
- Purchase, refinance, renewal or switch
Today’s best rate — for your file
I shop 50+ lenders so you don’t have to.
Rates change daily and depend on your down payment, credit, property and term — so a single number on a webpage rarely matches what you’ll actually get. I compare 50+ lenders to find your best rate, at $0 fee to you. Book a 15-minute call for a live, personalized quote.
Want your real number?
Book a free 15-minute call and I’ll give you a live, personalized rate across 50+ lenders — no credit pull to start.
22+ years · FSRA-licensed · 50+ lenders · $0 broker fee