CMHC-insured, conventional, variable, fixed, HELOC, private — whatever your situation, we find the lender and rate that fits. Free to you. Lender pays our fee.
5%
Minimum down payment (CMHC-insured)
30+
Lenders in our network
IRD
Penalty analysis on every file — no surprises
21 days
Average closing time
From 4.19% — 5-yr fixed
Unlock exclusive Canadian programs available only to first-time buyers. We guide you through stacking the FHSA, RRSP Home Buyers' Plan, CMHC insurance, and the Land Transfer Tax rebate to maximize your buying power.
Save $300–$600/mo
Break your mortgage early or refinance at renewal. Access equity for renovations, consolidate high-interest debt, or lock in a lower rate before the next BoC decision. We calculate your prepayment penalty and net savings upfront — no surprises.
From 4.74% — 5-yr fixed
Grow your Canadian real estate portfolio with competitive financing. We work with lenders who specialize in rental income qualification, using 100% of rental income to offset your debt service ratios under TDS/GDS guidelines.
From Prime − 0.65%
Ideal when the Bank of Canada is in a rate-cutting cycle. Variable rates in Canada are expressed as Prime ± a spread. When BoC cuts, your payment drops automatically. Break penalty is typically just 3 months' interest — far less than the IRD on a fixed mortgage.
From 4.19% — 5-yr fixed
Lock in your rate and enjoy predictable payments for the life of your term. Protects you if rates rise. The most popular choice in Canada — 5-year fixed accounts for over 60% of all new mortgages. All terms from 1 to 10 years available.
From Prime + 0.50%
A HELOC lets you borrow against your home equity on a revolving basis — draw, repay, and re-draw as needed. In Canada, HELOCs are capped at 65% LTV (or 80% when combined with your first mortgage). Interest-only payments during the draw period.
Unlike the US, Canadian fixed mortgages carry Interest Rate Differential (IRD) penalties — not just 3-months interest. IRD can be 10–20× higher than variable penalties. We calculate your exact penalty before recommending a break.
Get My Penalty Estimate — FreeVariable Rate Mortgage
3 months' interest
Fixed Rate (bank)
Higher of 3-mth interest OR IRD
Fixed Rate (monoline)
IRD based on posted rate differential
At Renewal (any lender)
$0 — switch penalty-free
Our advisors review your full situation and recommend the right product. Free consultation, no obligation. Lender pays our fee.
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