Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%
Prime Rate 📈                                4.70% ↓
BoC Qualifying Rate 🍁                                5.25%
BoC Overnight Rate 🍁                                2.50% ↓
Best 5 Year Fixed Rate 🔥                                4.09%
Best 3 Year Fixed Rate 🎉                                3.99%
Best Equity Only Rate 😃                                5.99%
Best Alt - A 3 Year Rate 😌                                4.94%
Best Stated Income Rate 😁                                4.34%
Best 5 Year Varaible Rate 🥳                                4.30%

Mortgage Refinancing Calculator

Finding out whether now is the right time to change mortgages is a tricky question. Whether it be for creating a new line of credit or simply securing a better rate, our refinancing calculators can help.

Mortgage Refinancing Calculator

Calculation Type


Property Details










Borrower Details






Refinance Details

Debt Consolidation & Refinance Decision:

Present Monthly Housing Expense: $0.00
Present Monthly Debts: $0.00
Present Total Monthly Payments: $0.00

Cash Available for Debt Consolidation:
New Primary Mortgage Size: $0.00
New Monthly Mortgage Payment: $0.00
New Total Monthly Payments: $0.00
Best Available Lender: A-Lender

New GDS/TDS Ratios: 0.000/0.000
Monthly Savings: $0.00
Term Savings: $0.00
Time to Breakeven [Months]: 0.00

Estimated Lender Fee: $0.00
Estimated Penalty: $0.00
Total Upfront Expense: $0.00

Your Situation May Be Tricky To Refinance...


Questions about refinancing? Malcolm the Mortgage Guy can walk you through it.

Transparency Statements and Legal Disclaimers

Last updated: June 14, 2025

This website, operated under the brand MalcolmtheMortgageGuy.ca, provides general information, tools, and services related to Canadian mortgages. The following disclaimers apply to all content, interactions, calculators, and tools provided on this site.

Malcolm Stoffman

Mortgage Broker (M18002114)

Real Mortgage Associates Inc. (FSRA 10464)

905-517-4228

1. Informational Purposes Only The information presented on this website, including chatbot responses, calculators, guides, and blog posts, is intended for general informational purposes only. It is not intended as financial, legal, tax, or mortgage advice and should not be relied upon as such. Please consult a qualified professional before making any mortgage or financial decision. 2. No Broker-Client Relationship Accessing or interacting with this website does not create a broker-client relationship. A formal relationship with Malcolm the Mortgage Guy, or any licensed representative, is only established upon execution of a written agreement and formal submission of a mortgage application. No fiduciary duty arises from the use of this site or its tools. 3. Mortgage Rate Information All rates displayed on this website, including featured or “best” rates, are subject to change without notice. Rates may vary depending on the type of borrower, mortgage product, property, credit profile, and other factors. Not all users will qualify for displayed rates, and eligibility is determined by full lender underwriting. Featured rates may include promotional offers or represent lenders who pay to be highlighted. We make every effort to clearly identify such placements. 4. Approvals Subject to Underwriting Any pre-qualification estimates or affordability projections provided through this site or its chatbot are based on limited user input and general lending criteria. Final mortgage approvals are conditional upon full documentation review, credit verification, income confirmation, and lender assessment. No guarantee of approval is provided or implied. 5. AI and Chatbot Content Some interactions on this site are powered by artificial intelligence (AI) for the purpose of answering common mortgage questions and simulating mortgage scenarios. While trained on expert data and Canadian mortgage rules, the AI may occasionally generate simplified, outdated, or incorrect information. Important: Not all AI content is reviewed or verified for accuracy. Always cross-reference critical advice or results with a licensed professional. 6. Accuracy and Timeliness of Information We strive to ensure the accuracy, reliability, and timeliness of all information posted on this website. However, mortgage rules, rates, and regulations are subject to change at any time. We make no guarantees regarding the completeness or ongoing accuracy of content, and accept no liability for errors or omissions. 7. Advertising and Compensation Malcolm the Mortgage Guy may receive compensation from lenders and partners for funded mortgage transactions. In addition, we may feature paid advertisements, sponsored rates, or affiliate content. Sponsored placements are designed to be transparent and clearly marked where applicable. 8. Third-Party Content and Tools This website may link to third-party websites or embed external content such as news feeds, calculators, or financial tools. We do not control or guarantee the accuracy, privacy, or security of any third-party content or platforms. 9. Privacy and Data Use By using this website, you acknowledge and agree to the terms of our [Privacy Policy], which outlines how personal information and website data are collected, stored, and used. Any data you voluntarily submit, such as through a chatbot or calculator, may be used to improve user experience or to provide follow-up assistance. 10. Jurisdiction and Compliance This website is intended for use by residents of Ontario, Canada, and complies with applicable mortgage regulations within that jurisdiction. Use of this site from other provinces or countries is not guaranteed to comply with local laws or lending practice

Mortgage Chatbot
Hi there! I’m Malcolm, your mortgage guide 🤖
Hey Malcolm! What’s the best 5-year fixed rate today?
Great question! Today’s best 5-year fixed is 4.79%.*
Quick Links
Rates Current Rates Calculators Calculators
News Mortgage News Library Leaning Library
Transparency Statements and Legal Information

Whether you’re buying, refinancing,
or just curious, I’ll guide you
every step of the way.

Clicking this will launch your phone’s dialer and connect you directly to Malcolm. Ideal for urgent questions of a quick chat.

Click to Call

Choose a time that works best for you. Booking seconds and guarantees Malcolm’s undivided attention.

Click to Book

Tapping the button below will open your phone’s text messaging app with Malcolm’s number pre-filled. Great for quick questions or to start the conversation casually.

Click to Text

Send Malcolm a detailed message directly. Expect a response within the business day.

Your application will open in a new tab for your security. The platform uses “bank grade” encryption to protect your personal information throughout the process.

Apply Now

Choose a time that works best for you. Booking seconds and guarantees Malcolm’s undivided attention.

Click to Book

Send Malcolm a detailed message directly. Expect a response within the business day.

Your application will open in a new tab for your security. The platform uses “bank grade” encryption to protect your personal information throughout the process.

Apply Now
I know that I'm asking a lot, but I would be very grateful for a quick review.

Even a really quick review would help.

Thanks in advance.

Review on Google