The best rates live here
You can have it all. The best rate, the best online experience, and the best customer service from our team of award winning mortgage experts.
Featured
Canadian Lender
3.79%5-yr Fixed
Featured
Canadian Lender
3.95%5-yr Variable
Featured
Scotiabank
4.79%3-yr Fixed
Sponsored
BMO eclipse rise Visa Card*
Get up to 25,000 bonus points - that's a $133 value in your first year!
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TD® Aeroplan® Visa Infinite* Card
Earn up to $1,300 in value† including up to 40,000 Aeroplan points and no Annual Fee for the first year. Conditions Apply.
Scotiabank Passport™ Visa Infinite* Card
Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points. To qualify, apply by July 1, 2025.
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Secured Neo World Elite® Mastercard
Guaranteed approval with no hard credit check. Get 5% cashback on Groceries, 4% on recurring bills, 3% back on Gas, and 1% back on everything else. $125 annual fee.
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EQ Bank
4.00%Features of chequing without any of the fees
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President's Choice Financial
3.50%The only bank account that earns you points for spending and interest on your savings, with no monthly fee, no minimum balance and no time commitment.
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Kawartha Credit Union
2.25%earn 4.50% for 60 days on new deposits when you open a High Interest eSavings Account with us.
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Featured
EQ Bank Personal Account
Earn 4% interest (1.25% everyday rate + 2.75%* bonus interest when you direct deposit your pay)
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National Bank The Chequing Account For Newcomers to Canada
Awarded Best Bank for Newcomers to Canada by MoneySense. Open an account with no fixed monthly fee for up to 3 years.
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National Bank of Canada
The right account for the minimalist in you. A few key transactions included at a small monthly fee.
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Featured
Fig Financial
Get a loan from $2,000 to $35,000 with rates starting at 8.99% APR. Flexible terms from 24 to 60 months—available to borrowers with a 700+ credit score.
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Spring Financial
Get a loan from $500 to $35,000 with rates starting at 9.99% APR. Enjoy flexible terms from 6 to 84 months—available to borrowers with a 550+ credit score.
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How it works on Ratehub.ca
Compare
Tell us about your mortgage needs and we’ll show you personalized rates from Canada’s top banks and lenders.
Apply
Choose the best rate, complete your online application and book a phone appointment with one of our award-winning mortgage experts.
Close
Upload your documents online and your personal mortgage expert will complete your mortgage from start to finish.
Close your mortgage with Ratehub.ca
Ratehub.ca is more than just the place to research and compare rates. You can close the best mortgage deal that’s right for you, right here. Our award-winning mortgage experts will guide you through the entire process and take care of all the details.
- 4 TIMES
BROKERAGE OF THE YEAR
The Ratehub.ca mortgage brokerage (formerly known as CanWise Financial) has been named Canada’s Brokerage of the Year for four years straight (2018-2021)
- $16+ BILLION
IN MORTGAGES FUNDED
We’re the largest online mortgage company in Canada
- 4.9 STARS
ON OVER 10,000 REVIEWS
The Ratehub.ca mortgage brokerage is Canada’s highest-reviewed mortgage company, with over 10,000 online reviews across Google and Facebook
- 12 YEARS
OF MORTGAGE EXPERIENCE
We work hard to deliver Canadians the best mortgage experience from online search, education, rate comparison, online application and offline service, all the way to close
Trusted financial institutions we work with
Ratehub.ca education centre
Mortgages
So you’ve made the decision to buy a new home! Discover how much you can afford, how to choose the right mortgage rate and how to get approved.
continue readingCredit Cards
Selecting the right credit card that matches your needs can be difficult! Learn how credit cards work, who issues them, the benefits of various credit cards and how interest charges and payments are applied.
continue readingBanking
We explain everything you need to know about how savings accounts work, what their associated fees are and how you can choose the best one for you.
continue readingInsurance
Buying insurance can feel complicated and knowing how much or when you need it isn’t always obvious. Well, we’re here to help you break through the insurance jargon so you can find the right product at the best price.
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What our customers are saying
Great place for calculators and articles!
I like to use Ratehub to check for mortgage rates. They have great calculators and articles regarding mortgages and more. Easy to use and right at your fingertips!
Morgan Lalonde
Best place to shop for mortgage rates!
Best place to shop for your rates! Signed up for a mortgage on their recommendation and couldn’t be happier. They make the process easy and save you thousands!
Marc-André Surette
Great website that’s easy to use!
Great website! Helped me find a way better credit card than the one I had been using. Easy to navigate too!
Adrienne Hays
The Globe and Mail
“Simplifies the mortgage process and provides a wealth of important information.”
TechVibes
“Unbiased views on the best and lowest rates available.”
Yahoo! Canada
“Consumers enjoy substantial savings.”
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About Ratehub.ca
Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.
When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.
Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.
How does Ratehub.ca make money?
Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.