The best rates live here
3.89%* 5‑year fixed
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.
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Canadian Lender
Ratehub.ca Exclusive
3.89%5-yr Fixed
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Canadian Lender
Ratehub.ca Exclusive
3.70%5-yr Variable
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Big 6 Bank
3.69%3-yr Fixed
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RBC Avion Visa Infinite
Get up to 55,000 Avion points^ (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
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TD First Class Travel® Visa Infinite* Card
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, no Annual Fee for the first year†, and 4 complimentary lounge visits with Visa Airport Companion Program†. Conditions Apply.
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BMO Ascend™ World Elite®* Mastercard®*
Welcome offer: Get up to 100 000 points and the annual fee waived in your first anniversary for both the primary cardholder and authorized users.
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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
3.00%Features of chequing without any of the fees
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Simplii Financial ™
4.50%From Oct 1st 2025, Get a special interest rate, earn 4.50% interest rate on your first Simplii Financial High Interest Savings Account for the first 5 months. Only on eligible deposits up to $200,000. Terms apply. Offer ends on Jan 31st, 2026.
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Tangerine
4.50%Special Offer: Save with Tangerine at a great 4.50% interest rate for 5 months. You’ll earn it in your first Tangerine Savings Account and on other Savings Accounts you open during that time period, too – including TFSA and RSP Accounts.
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Oaken Financial
2.80%Oaken Financial Savings Account
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EQ Bank
3.15%1-year Non-registered
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MCAN Wealth
3.65%1-year Non-registered
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Oaken Financial
3.40%1-Year Non-Registered and Non-Redeemable GIC
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RBC Signature No Limit Banking
Open an Eligible RBC Chequing Account and Get the New iPad(1). Offer Ends November 3, 2025. Conditions apply.
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Tangerine No Fee Daily Chequing Account
Special Offer: Move your pay to earn $250. Open a no monthly fee Chequing Account and move 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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Simplii Financial™ No Fee Chequing Account
Earn $300 and a $50 Skip gift card when you become a new client and open a No-fee Chequing Account by October 30th, 2025
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Fig Financial
Get a loan from $2,000 to $35,000 with rates starting at 8.99% APR. Flexible terms from 24 to 84 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
At Ratehub.ca, we have empowered millions of Canadians to make smarter financial decisions. Founded in 2010, we are Canada’s leading one-stop shop for mortgage rates, credit cards, insurance, personal loans, chequing and savings accounts, GICs, and investments. We are known for delivering unbeatable savings, selection, and service.
We believe financial products should be easy to understand and personalized to your needs. That’s why we provide tools and expert resources — from Canada’s most-used mortgage calculators to educational articles with real-world insights. We compare the best rates and products in real time from leading banks, lenders, and insurers, so you can shop for all your personal finance needs in one place. And when you're ready, our award-winning brokerage teams are here to help you every step of the way.
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.