Explore Your Mortgage Rates and Options with Confidence
We don’t just show rates,
we show your rates.
The best mortgage starts with the
right fit, not a teaser rate.
Before we show you rates, we help you figure out which lenders are likely to say yes based on your real-life profile. This tool gives you an instant, expert-informed estimate of your most likely lender type as well as product features and rates.
- No name, no phone number, no email or sign-up required.
- No impact on your credit score.
- No judgement.
In seconds, you’ll get a personalized mortgage match and see the solutions (and rates) that are likely to work for you.
Click below to start.
A Lenders – Best Rates & Terms
A Lenders – Best Rates & Terms If your credit is strong and your income is easy to verify, A lenders offer the best rates and most flexible terms.
- These are the big banks and credit unions that you recognize as well as some of the monolines that you don’t.
- Ideal for salaried employees, professionals, and well-documented income earners.
| Credit Score | Typically 680+ for best rates |
|---|---|
| Income Type | Salaried, Hourly, Permanent, Verifiable |
| GDS/TDS Ratios | 39% / 44% or lower |
| Loan-to-Value (LTV) Limit | Up to 95% (insured), 80% (uninsured) |
| Property Type | Urban or suburban, owner-occupied |
4.14%
A Large Canadian Monoline
- Purchase Only
- $500,000 Minimum Loan Amount
- High Ratio or Less than 65% LTV
Terms and Conditions Apply
3.99%
A Large Canadian Credit Union
- Purchase
- No Minimum Loan Amount
- High Ratio
Terms and Conditions Apply
4.44%
A Large Canadian Monoline
- Conventional Mortgage
- Up to 30 Year Amortization
- 650 Min. Credit Score
Terms and Conditions Apply
4.79%
A Large Canadian Monoline
- High Ratio Insured Mortgage
- 2% Cash Back
- 650 Min. Credit Score
Terms and Conditions Apply
4.30%
A Large Canadian Monoline
- High Ratio Insured Mortgage
- Prime - 0.65%
- 120 Rate Hold
Terms and Conditions Apply
A- Lenders – Flexible Options
A- Lenders – Flexible Options Alt A lenders cater to borrowers who almost qualify for top-tier options but need a little leeway.
- These lenders often have solutions for self-employment borrowers, those with recent credit hiccups, or non-traditional income.
- Rates are still sharp, and approvals are fast with the right guidance.
| Credit Score | 650-679 |
|---|---|
| Income Type | Salaried, hourly or strong self-employed |
| GDS/TDS Ratios | 44% / 50% (ish) |
| Loan-to-Value (LTV) Limit | Up to 80% |
| Property Type | Urban or suburban, some flexibility |
4.99%
A Local Credit Union
- No or Low Lender Fee
- 120 Day Rate Hold
- Up to 30 Year Amortization
Terms and Conditions Apply
4.84%
A Large Canadian Monoline
- <50% Loan to Value
- Up to 30 Year Amortization
- Extended Ratios Available
Terms and Conditions Apply
6.04%
A Large Canadian Monoline
- 90 Day Rate Hold
- Up to 80% Loan to Value
- <580 Credit Score Accepted
Terms and Conditions Apply
B Lenders – Unique Solutions
B Lenders – Unique Solutions If your credit score is bruised, your debt ratios are high, or your income is hard to prove, B lenders are a solid solution.
- With higher approval rates and creative underwriting, they help bridge the gap without jumping straight to private money.
| Credit Score | 550-649 |
|---|---|
| Income Type | Self-employed, contract, bank statements |
| GDS/TDS Ratios | up to 50–55% (or more) |
| Loan-to-Value (LTV) Limit | Up to 80% |
| Property Type | Urban, suburban, rural, rentals |
6.94%
A Large Canadian Monoline
- Prime + 1.99%
- Ideal for self-employed, contractors and commission sales people
- 650 Min. Credit Score
Terms and Conditions Apply
5.14%
A Canadian Bank
- Owner Occupied Primary Residence
- 680 Min. Credit Score
- 90 Day Rate Hold
Terms and Conditions Apply
5.99%
A Canadian Monoline
- Credi scores from 550 - 599
- Extended Ratios up to 55/55
- Verifiable Income
Terms and Conditions Apply
5.49%
A Canadian Monoline
- Credi scores from 640 - 679
- Extended Ratios up to 50/50
- Up to 35 Year Amortization
Terms and Conditions Apply
C Lenders – When Others Say No
C Lenders – When Others Say No MICs and Private lenders look beyond credit scores and paperwork to find mortgage solutions fast.
- Whether it’s for a short-term fix, an urgent closing, or a complex file, these lenders get the deal done.
- Rates, fees and other costs are often high.
| Credit Score | Flexible or Unrated |
|---|---|
| Income Type | Any source, stated income accepted, in some cases no income required |
| GDS/TDS Ratios | No strict limits, case-by-case |
| Loan-to-Value (LTV) Limit | Up to 95% (insured), 80% (uninsured) |
| Property Type | Virtually all property types including rural, unique, commercial, distressed |
6.99%
An Ontario Based MIC
- No Minimum Credit Score
- No Income Documents Required
- Up to 75% LTV
Terms and Conditions Apply
6.99%
An Ontario Based MIC
- No Minimum Credit Score
- No Income Documents Required
- Up to 75% LTV
Terms and Conditions Apply
7.49%
An Ontario Based MIC
- No Minimum Credit Score
- No Income Documents Required
- Up to 65% LTV
Terms and Conditions Apply
Our featured rates are better than just a low number, they're built for the way Canadians actually borrow.
Whether you've got perfect credit or something far less, we've got a rate that fits.
4.14%
A Large Canadian Monoline
- Purchase Only
- $500,000 Minimum Loan Amount
- High Ratio or Less than 65% LTV
Terms and Conditions Apply
3.99%
A Large Canadian Credit Union
- Purchase
- No Minimum Loan Amount
- High Ratio
Terms and Conditions Apply
4.44%
A Large Canadian Monoline
- Conventional Mortgage
- Up to 30 Year Amortization
- 650 Min. Credit Score
Terms and Conditions Apply
4.79%
A Large Canadian Monoline
- High Ratio Insured Mortgage
- 2% Cash Back
- 650 Min. Credit Score
Terms and Conditions Apply
4.30%
A Large Canadian Monoline
- High Ratio Insured Mortgage
- Prime - 0.65%
- 120 Rate Hold
Terms and Conditions Apply
4.99%
A Local Credit Union
- No or Low Lender Fee
- 120 Day Rate Hold
- Up to 30 Year Amortization
Terms and Conditions Apply
4.84%
A Large Canadian Monoline
- <50% Loan to Value
- Up to 30 Year Amortization
- Extended Ratios Available
Terms and Conditions Apply
6.04%
A Large Canadian Monoline
- 90 Day Rate Hold
- Up to 80% Loan to Value
- <580 Credit Score Accepted
Terms and Conditions Apply
6.94%
A Large Canadian Monoline
- Prime + 1.99%
- Ideal for self-employed, contractors and commission sales people
- 650 Min. Credit Score
Terms and Conditions Apply
5.14%
A Canadian Bank
- Owner Occupied Primary Residence
- 680 Min. Credit Score
- 90 Day Rate Hold
Terms and Conditions Apply
5.99%
A Canadian Monoline
- Credi scores from 550 - 599
- Extended Ratios up to 55/55
- Verifiable Income
Terms and Conditions Apply
5.49%
A Canadian Monoline
- Credi scores from 640 - 679
- Extended Ratios up to 50/50
- Up to 35 Year Amortization
Terms and Conditions Apply
6.99%
An Ontario Based MIC
- No Minimum Credit Score
- No Income Documents Required
- Up to 75% LTV
Terms and Conditions Apply
6.99%
An Ontario Based MIC
- No Minimum Credit Score
- No Income Documents Required
- Up to 75% LTV
Terms and Conditions Apply
7.49%
An Ontario Based MIC
- No Minimum Credit Score
- No Income Documents Required
- Up to 65% LTV
Terms and Conditions Apply
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