Filtered by Program, Amortization & Province, Find your Lowest Mortgage Renewal & Refinance Offer in seconds.
Which rates can you actually get?
Lenders price against loan-to-value, not against you. Two numbers and we will show you the rates you can actually get.
Insured, insurable and uninsured are three different markets, and which one you are in is decided before anyone looks at your credit. These are the lowest potential rates on each shelf.
Less than 20% down. The lowest rates in the market, because the default insurance transfers the risk.
No insured pricing on this week's sheet. We publish what lenders send us and nothing else — this shelf fills in the moment it appears on a sheet we can verify.
Open the full board20% or more down, up to $1.5M property value, 25-year amortization. Priced close to insured.
Refinances, $1.5M+, or amortizations past 25 years. Always the highest of the three.
No uninsured pricing on this week's sheet. We publish what lenders send us and nothing else — this shelf fills in the moment it appears on a sheet we can verify.
Open the full boardLowest published rate on every shelf
| Lender | Term | Shelf eligibility | Rate | Action |
|---|---|---|---|---|
| Exclusive Lender Exclusive | 5 yr variable | Insurable ≤80% | 3.70% | Get this rate |
| Exclusive Lender Exclusive | 5 yr fixed | Insurable ≤80% | 4.19% | Get this rate |
No rates of that type on the board today.
Every rate site in Canada tells you the number and then a paragraph about GDS, TDS and the stress test. None of them tells you which lender reads self-employed income generously, which one wants two years of NOAs, or which one will not touch your file at all. We publish that for all 77.
Generally for Self-employed borrowers and rental property owners who want a chartered bank mortgage but do not fit standard bank templates.
Their qualification policy MonolineGenerally for Buyers and owners working through a broker who want a large, established non-bank lender for a prime purchase, refinance or transfer.
Their qualification policy Credit unionGenerally for British Columbia buyers and homeowners, including self-employed people whose income does not fit conventional bank documentation.
Their qualification policy PrivateGenerally for Self-employed people, borrowers with impaired or rebuilding credit, and property investors who cannot meet a bank's qualification standards.
Their qualification policyA salaried buyer with 20% down and clean credit gets roughly what the board says. These do not, and the gap between the advertised rate and the real one is where the money is.
The renewal letter is not an offer, it is an opening position. Signing it is the most expensive default in Canadian personal finance.
What a renewal should cost → Refinance and consolidationThe arithmetic is usually overwhelming and the penalty usually smaller than feared. Both are worth calculating before you decide.
Run the consolidation numbers → Self-employedWrite-offs that save you tax cost you mortgage. Which lender reads business-for-self income generously is a matter of published policy — so we publish it.
How lenders read self-employed income →Two thirds of the people who read a rate page in Canada are on a phone, and most rate tables were designed on a desktop and squeezed afterwards. Ours goes the other way: the board reflows into cards, the shelf finder is thumb-sized, and nothing needs a pinch-zoom.
Canadian mortgages compound semi-annually, not in advance. Most free calculators use the American monthly formula and overstate every payment they produce — on $500,000 at 5.00% over 25 years that is $2,908.02 against $2,922.95. Fifteen dollars a month, on pages that look authoritative.
i = (1 + j/2)(2/n) − 1
P = A · i / (1 − (1 + i)−n)Interest compounds semi-annually, not in advance. Where j is the annual rate, n the payments per year and A the amount advanced.
Semi-annual compounding, the Canadian convention. Most free calculators use the American monthly formula and overstate every payment they produce.
Shows its workingStress-tested at the greater of your rate plus two points or 5.25%, with GDS and TDS shown separately so you can see which one is binding.
Sourced, city by cityAll 13 provinces and territories plus Toronto, Montreal and Halifax, each rule carrying its source and effective date.
The one people missThe cash you need on the day, which is the number that surprises people a week before completion.
Lender policy, the ten situations, and the arithmetic behind every figure — with the source and the date it was last checked printed on the page. Nothing behind a form.
Track Best Renewal Offers up to 90 Days before Maturity
Get notified on best mortgage rates for transfer and refinance to compare your monthly savings.
RateShop is a marketplace. We collect rates, document what each lender's programs actually say, and publish the math — all of it free. When you want to act on it, a licensed broker takes the file from there. How we are paid.
Nothing. Every rate, every calculator and every lender profile is free and none of it is gated. We ask for an email in two places only: to send you a PDF report you asked for, and to remind you before your renewal. Neither is required to use anything.
We publish every lender we can get verified pricing for, ordered by rate, and we never accept payment for placement or ordering. Where a lender is unusually good or bad for a particular kind of file we say so, including when that is unflattering. Our editorial policy sets out the method.
Canadian mortgages compound semi-annually, not monthly. A lot of free calculators use the American monthly formula, which overstates the payment. Ours uses the Canadian convention, which is what your lender actually charges — and we show the formula rather than asking you to take our word for it.
When you are ready to do something with these numbers, we will introduce you to a licensed broker who can put the file in front of lenders. Nothing here obliges you to.
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