Current Rates

Current variable mortgage rate is


Current prime rate is


    • Terms
    • Bank Rates
    • Payment Per $100k
    • Our Rates
    • Payment Per $100k
    • Savings
    • 6 Months
    • 6.59%
    • $675.29
    • 7.49%
    • $730.93
    • $-55.64
    • 1 Year
    • 7.84%
    • $753.03
    • 6.59%
    • $675.29
    • $77.74
    • 2 Years
    • 7.34%
    • $721.53
    • 6.17%
    • $649.95
    • $71.59
    • 3 Years
    • 6.99%
    • $699.80
    • 5.24%
    • $595.34
    • $104.46
    • 4 Years
    • 6.79%
    • $687.50
    • 5.37%
    • $602.85
    • $84.65
    • 5 Years
    • 6.84%
    • $690.57
    • 4.89%
    • $575.36
    • $115.21
    • 7 Years
    • 7.10%
    • $706.60
    • 6.09%
    • $645.17
    • $61.43
    • 10 Years
    • 7.25%
    • $715.92
    • 6.14%
    • $648.15
    • $67.77
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. E.& O.E.

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When considering a mortgage, there are several factors you should look into to make an informed decision. Here are some key things to consider:

  1. Interest Rates: Check the current interest rates offered by different lenders. Lower interest rates can save you money over the life of your mortgage.

  2. Loan Term: Decide on the duration of the loan. Common mortgage terms are 15, 20, or 30 years. Shorter terms generally have higher monthly payments but result in lower overall interest payments.

  3. Down Payment: Determine the amount you can afford to put down as a down payment. A higher down payment can lower your loan amount, potentially reducing interest rates and monthly payments.

  4. Loan Type: Understand the different mortgage types available, such as fixed-rate mortgages (interest rate remains the same throughout the loan term) or adjustable-rate mortgages (interest rate fluctuates over time).

  5. Closing Costs: Inquire about the closing costs associated with the mortgage, which can include fees for appraisal, title insurance, attorney services, and more. Factor these costs into your budget.

  6. Affordability: Analyze your income, expenses, and financial goals to determine how much you can afford to borrow. Consider your monthly budget and ensure that the mortgage payments fit comfortably within it.

  7. Pre-Approval: Get pre-approved for a mortgage before house hunting. This helps you understand your borrowing capacity, makes you a more attractive buyer to sellers, and provides clarity during the home search.

  8. Lender Reputation: Research and compare different lenders. Read reviews, check their reputation, and consider their customer service quality. A good lender can simplify the mortgage process and offer better terms.

  9. Additional Fees and Terms: Understand if there are any additional fees, penalties, or specific terms associated with the mortgage. Read the fine print and ask questions to clarify any uncertainties.

  10. Professional Advice: Consider consulting with a mortgage broker or financial advisor who can provide guidance tailored to your specific situation and help you navigate the mortgage market effectively.

Remember, obtaining a mortgage is a significant financial decision, so take the time to compare options, read documents carefully, and seek professional advice when needed.

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