What are the best mortgage rates in Canada today?

The best mortgage rates depend on the lender, mortgage type, and borrower qualifications. Posted rates are a starting point, but many borrowers qualify for lower broker-negotiated rates.

Are posted mortgage rates the rates I will receive?

Not always. Posted rates are often higher than the final rate offered after underwriting, negotiation, or lender promotions.

How often do mortgage rates change in Canada?

Mortgage rates can change daily or even multiple times per week, especially when bond yields or Bank of Canada expectations shift.

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Rates from 3.99%

Mortgage Refinance

Unlock Your Home's Potential

Refinancing can help you save thousands over the life of your mortgage, access your home's equity for major purchases, or consolidate debt into one lower payment.

Get Started Call (416) 822-7357

Lower Your Rate

Access Home Equity

Shorten Your Term

Consolidate Debt

Why Choose Us

Benefits of Our Mortgage Refinance Service

Lower Your Rate

Switch to a lower interest rate and reduce your monthly payments significantly.

Access Home Equity

Tap into your home's value for renovations, investments, or major life expenses.

Shorten Your Term

Pay off your mortgage faster by switching to a shorter amortization period.

Consolidate Debt

Roll high-interest debts into your mortgage at much lower rates.

Our Process

How It Works

Review Your Situation

We analyze your current mortgage, home value, and financial goals.

Calculate Your Savings

See exactly how much you can save or access through refinancing.

Compare Options

We present the best refinance options from our network of 50+ lenders.

Seamless Transition

We handle all the paperwork for a smooth, stress-free refinance.

FAQ

Frequently Asked Questions

Consider refinancing when rates drop significantly below your current rate, when you need to access equity, when your credit has improved, or when you want to consolidate high-interest debt.

There may be prepayment penalties depending on your current mortgage terms. We'll calculate these costs and ensure refinancing makes financial sense before proceeding.

You can typically access up to 80% of your home's value minus your current mortgage balance. A home worth $800,000 with a $400,000 mortgage could access up to $240,000.

Usually yes, lenders require a current appraisal to determine your home's value. We can arrange this as part of the refinancing process.

See How Much You Can Save

Get a free refinance analysis and discover your options today.

Get Free Consultation Call (416) 822-7357

Mortgage Refinance

Benefits of Our Mortgage Refinance Service

Lower Your Rate

Access Home Equity

Shorten Your Term

Consolidate Debt

How It Works

Review Your Situation

Calculate Your Savings

Compare Options

Seamless Transition

Frequently Asked Questions

See How Much You Can Save

Free Up Your Cash - Refinance and Save Today

See How Much You Can Save