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CanWise Financial Mortgage Rates

Below you'll find the best mortgage rates from CanWise Financial. Be sure to compare rates between lenders to get the best product for you.

CanWise Financial Mortgage Rates

Rates updated:

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Provider5 Year fixed5 Year variable3 Year fixed

Best market rate


Prime -1.60

view provider




Prime -0.90






Prime -0.80




Prime -1.00





Prime -0.86







Prime -0.75




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CanWise Financial: Frequently asked questions

Are CanWise Financial rates lower than other banks?

How do I get a mortgage with CanWise Financial?

Can you negotiate a mortgage rate?

Let us help you determine which rate best suits your individual needs by answering a few short questions about your home and financial history.

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CanWise Financial mortgage rates overview

CanWise Financial is Canada's leading mortgage brokerage, owned and operated by Ratehub Inc, the same company that runs CanWise has been awarded Mortgage Brokerage of the Year at the Canadian Mortgage Awards for three years running - 2018, 2019, & 2020.

Why work with a broker instead of a bank?

A bank will only ever offer you its own products. As a result, banks have no incentive to offer you a more competitive rate. Mortgage brokers like CanWise work with multiple mortgage providers, so they can find the best possible mortgage for your needs.

A good mortgage broker can also help you secure the best possible rate for your mortgage. If you look at the rates in the table at the top of this page, you'll notice that most of the lowest rates are from mortgage brokers. This is because brokers like CanWise have access to bulk discounts and special deals not available in the retail market.

Mortgage brokers can also offer expert advice on your financial situation, and what options are available to you. This advice comes at no cost to you, as mortgage brokers are paid on commission.

What's so special about CanWise?

The reason that CanWise is the highest-rated and most reviewed mortgage company in Canada, with over 4,100 5-star reviews across Google and Facebook, is because of a relentless focus on customer service. Some brokers focus on their margins and commissions, but CanWise Financial makes a point of putting customers first at every step of the process.

Author bio

Jamie David

Jamie David is the Business Director of Mortgages at A graduate of the Systems Design Engineering program at the University of Waterloo, she has over 15 years of business, marketing, and engineering experience in the financial technology, banking, education, energy and retail industries. She has worked in top organizations like TD Bank, Trading Pursuits, Petro-Canada, and the TTC. Her passion for personal finance, investing, education, and business strategy brought her to where she heads a very talented, cross-functional team that is dedicated to providing Canadians with the best mortgage experience all the way through from online search to (keys-in-your-hand) funded mortgage.


We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.

How does 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.

How are CanWise Financial and connected?

Both and CanWise Financial are owned and operated by Ratehub Inc. When comparing mortgage rates on, you’ll see rates from a number of lenders and mortgage brokers, including CanWise Financial. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us.

We’re happy to send users to CanWise because of their great rates, trusted advice, and experienced mortgage team. Read any of their 3,300 five-star Google and Facebook reviews and you’ll see what we mean.