Find the best mortgage rate
3.79%* 5‑year fixed
Get your personalized mortgage rate quote in under 2 mins
Featured
Canadian Lender
3.95%5-yr Variable
Featured
Canadian Lender
3.79%5-yr Fixed
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TD Bank
4.34%5-yr Fixed
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Scotiabank
4.79%3-yr Fixed
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.Â
- 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 calculators
- Payment calculator
See how much your payments could be if you make weekly, bi-weekly or monthly payments.
- Affordability calculator
Get a sense of how much you can afford to borrow and what makes sense for you.
- Land transfer tax calculator
Calculate the amount you will have to pay in land transfer tax depending on your location.
- CMHC insurance calculator
Determine how much your CMHC insurance will be based on the percentage of your down payment.
Ratehub.ca education centre
Buying
So you've made the decision to buy a new home! The first step is to figure out how much you can afford to spend.
continue readingRenewing
If your current mortgage is up within four months, now's the time when most lenders will allow you to start the early mortgage renewal process.
continue readingRefinancing
When deciding whether or not, you should refinance your current mortgage and replace it with a new one, there are a few important things to consider.
continue readingFirst Time Home Buyer
Buying your first home can be both exciting and stressful. It can also be very expensive, especially if you don't already have assets.
continue reading
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