Independent rate tracking, analysis, and guides for Canadian homeowners and buyers.
*Lowest observed rates from lenders' public websites as of —. Not an offer of credit. Rates available to you depend on your qualifications and may differ.
Analysis and guides from the Canadian mortgage market.
Posted rates and actual rates are not the same thing. Here's what to know when comparing lenders across the Canadian market.
Read Article →Your lender's renewal offer is rarely the best available rate. What to do — and when to do it — before your term ends.
Read Article →With the BoC rate cycle shifting, the fixed-versus-variable question matters more than ever. A framework for thinking it through.
Read Article →Built for Canadian rules — semi-annual compounding, CMHC premiums, and the B-20 stress test.
Monthly, bi-weekly, or weekly payment with accurate Canadian semi-annual compounding.
Find your maximum purchase price using GDS/TDS stress test rules.
See your qualifying rate and max mortgage under the federal B-20 rules.
Calculate your mortgage default insurance premium based on your down payment.
Instant LTT for all provinces including Ontario, Toronto double tax, and first-time buyer rebates.
Estimate your IRD or 3-month interest penalty before breaking your mortgage early.
Compare the true 10-year cost of renting versus owning in your city.
Estimate legal fees, title insurance, and all costs beyond your down payment.
Have questions about your mortgage, renewal, or pre-approval? Reach out directly — no call centres, no runaround.