Mortgage rates in Canada.
Today’s best 5-year fixed across our network is 3.94%. Compare every lender’s broker-channel rate — often 15-30 bps below posted — and lock your lowest on one application. No bureau pull to start.
Comparing mortgage rates across lenders
No single lender wins every file. The Big-6 banks (RBC, TD, Scotiabank, BMO, CIBC, National Bank) are strong when you bundle accounts and want branch access; monolines like MCAP, First National and CMLS exist only through brokers and frequently post the sharpest insured-purchase rates; credit unions qualify at the contract rate on uninsured files and can undercut on renewals; and alt-A / B-lenders price for self-employed and bruised-credit files the banks decline. The lender that’s cheapest for a clean first-time-buyer purchase is rarely the one that’s cheapest for a self-employed refinance.
What’s common to almost all of them is the broker channel: a wholesale rate sheet, usually 15-30 bps below the posted/branch rate, that you can only access through a licensed brokerage. On a $600,000 mortgage, 20 bps is roughly $1,200 a year. We submit your file to the lenders that fit it, capture each one’s broker-channel best, and let you choose with the numbers in front of you.
Pick any lender above for its dedicated rate page, or compare by term or province. Read full reviews on our lender directory.
More ways to compare your rate
By term, province, or goal — plus the tools to model your payment and penalty. Same 100+ lender network.
Rates by term
Every term's network-best, fixed and variable, in one table.
Rates by province
Province-specific pricing, land transfer, and lender mix.
Lowest rates
The lowest real cost — rate plus penalty risk, not just the headline.
Mortgage calculator
Estimate your payment generically or by bank (TD, RBC…).
Penalty by bank
Already with a Big-6? See the posted-rate IRD before you switch.
Lender directory
Full reviews of every lender on our panel.
6 things to know about comparing lenders
Why no single lender wins every file — and how the broker channel changes the math.
No single lender wins every file
Big-6 banks suit bundlers; monolines often post the sharpest insured rates; credit unions undercut on renewals; alt-A lenders price the files banks decline. The cheapest lender depends on your file.
Broker-channel pricing
Almost every lender runs a wholesale broker rate 15-30 bps below posted — you can only reach it through a licensed brokerage like ours.
One application, every lender
We submit your file once and compare the whole network, so you see each lender's broker-channel best and the market's best side by side.
Switching is free to compare
On standard residential deals the lender pays our commission — so shopping every lender costs you nothing, with no bureau pull to start.
Renewals re-shopped, not auto-signed
At maturity we benchmark your lender's offer against the network so you never auto-renew at a higher rate.
Best-rate guarantee
We'll beat any comparable Big-6 offer or pay you $500 — the advice is unbiased because we're paid the same regardless of lender.
Why compare lenders with us
- 19+ board lenders + 50 more compared on one application.
- Broker-channel rates 15-30 bps below posted, only a brokerage can access.
- Unbiased — paid the same regardless of which lender you choose.
- FSRA #13737 · best-rate guarantee or $500 · free to you.