Mortgages
We shop over 30 lenders including big banks, credit unions, and alternative lenders to bring you the most competitive rates in the market. Updated daily.
Our proprietary AI analyzes bond yields, BoC sentiment, and international market data to provide real-time predictability scores.
AI suggests a 85% probability of rates remaining stable or decreasing in the next 30 days.
30-Day Forecast
-0.15%
Volatility Risk
LOW
Stay with Variable
AI predicts BoC may cut rates in Q4, potentially saving variable holders ~0.50% annually.
Optimal Term: 3-Year Fixed
For those seeking certainty, the 3-year term currently offers the best risk-adjusted cost.
Tracking 5Y Fixed Rates vs. Government Bond Yields (Last 30 Days)
MOST POPULAR
BEST FOR FLEXIBILITY
PRIME - 0.90%
* Rates are subject to change and are based on qualified applicants. Insured rates apply to down payments of less than 20% with CMHC insurance.
When you walk into a bank, they offer you their "posted" rate. We operate in the wholesale market, meaning we negotiate directly with lenders' head offices based on the massive volume of mortgages we process.
Unpublished bank "specials"
Wholesale lender access
Credit union promotions
Volume-based discounts
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Industry analysts expect the Bank of Canada to maintain a steady path throughout 2026. While inflation has stabilized, bond yields remain sensitive to international economic shifts.
For most homeowners, locking in a 3-year or 5-year fixed term currently offers the best balance of stability and cost. However, for those with higher risk tolerance, variable rates may provide long-term savings if prime rates trend downward in Q4.
Speak to an analyst about your strategyLock it in today before it's gone. Our pre-approval process takes less than 5 minutes and protects you from market hikes.
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