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Compare rates, calculate your savings, and get pre-approved with expert guidance – serving all provinces, specializing in Ontario, BC, Alberta & Manitoba.
Talk to our Trusted Mortgage Brokers & Get Approved for the Best Mortgage Offers from Banks, Credit Unions & Private Lenders for:
New Home Purchase
Mortgage Renewal & Switch
Refinance & Debt Consolidation
Home Equity Line of Credit
Private 1st & 2nd Mortgage
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Canada's Best Mortgage Rates
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Top 8 Reasons To Get Your Mortgage With RateShop.ca
Best Mortgage Rates. Period.
We feature rock-bottom rates from several banks, credit unions, and lenders plus many exclusive low rates that aren’t available through other brokers or lenders directly.
Same Day File Review
Our service commitment is, we will never sit idle on a file. The day we have your application & documents, we start our review immediately to analyze all our lender offers and suggest the best one for you.
Largest Choice of Lenders
We offer the most comprehensive list of banks, credit unions, monoline lenders you’ll find in Canada. More choice, better rates, greater flexibility and dozens of purchase, refinance, renewal & home equity programs.
Easy Mortgage Approval
Our application searches from 700+ mortgage offers with various terms, rate types, and lending programs from 65+ mortgage lenders in Canada, that finds your best suited rate for your unique situation. Unleash the power of Artificial Intelligence to help you save on your mortgage!
Award-winning Service
We work relentlessly to improve every aspect of our service, from service to transparent lending solutions. We’re proud and humbled by our clients' and lenders' appreciation to vote us their preferred partner. Our mission is to provide the best mortgage offerings & services on the planet.
Customers Love Us
We always tell our clients, it's not just about the rate! Finding a solution that works for you, instead of costs you more in the future is what our mortgage planning is about. In two to three years into the mortgage term, this becomes very apparent. Customers have called us back telling us how our advice saved them money and educated them to manage finances better.
Mortgage Lenders Love Us
As a volume broker, our lender relations are important. That's what gets us great rates, and this is possible because we know the programs, we're fluent in underwriting and we are efficient with approvals. Who & What you know in the industry matters, we understand all bank programs and know where to find you flexibility and rate discounts.
Free Mortgage Rate Monitoring
Stay on top of mortgage savings, rate specials, wealth creation tips & investment opportunities. Breaking news affecting mortgage rates and real estate in Canada. We use our AI technology to compare your rate monthly with available lender offers and find the savings for you.
Best Mortgage Rates. Period.
We feature rock-bottom rates from several banks, credit unions, and lenders plus many exclusive low rates that aren’t available through other brokers or lenders directly.
Same Day File Review
Our service commitment is, we will never sit idle on a file. The day we have your application & documents, we start our review immediately to analyze all our lender offers and suggest the best one for you.
Largest Choice of Lenders
We offer the most comprehensive list of banks, credit unions, monoline lenders you’ll find in Canada. More choice, better rates, greater flexibility and dozens of purchase, refinance, renewal & home equity programs.
Easy Mortgage Approval
Our application searches from 700+ mortgage offers with various terms, rate types, and lending programs from 65+ mortgage lenders in Canada, that finds your best suited rate for your unique situation.
Award-winning Service
We work relentlessly to improve every aspect of our service, from service to transparent lending solutions. We’re proud and humbled by our clients' and lenders' appreciation to vote us their preferred partner.
Customers Love Us
We always tell our clients, it's not just about the rate! Finding a solution that works for you, instead of costing you more in the future is what our mortgage planning is about.
Mortgage Lenders Love Us
As a volume broker, our lender relations are important. That's what gets us great rates, and this is possible because we know the programs and are efficient with approvals.
Free Mortgage Rate Monitoring
Stay on top of mortgage savings, rate specials, wealth creation tips & investment opportunities. We use AI to compare your rate monthly with available lender offers and find the savings for you.
Canada's Top Independent Mortgage Brokerage
Compare Rates, Lenders and Your Savings
100% Digital Experience, Guaranteed lowest Rates
Easy Mortgage approvals accross Canada & US*
Unbiased Mortgage Advice to help Financial Growth
Streamlined Funding Guaranteed, You're covered!
5 Star Rated Service with Discounted Online Rates
#1 Voted Mortgage Calculators in Canada
Canada's Best
Mortgage Rates
4.04%
Lowest Purchase
3-YR Fixed
Our Mortgage Experts
Dylan James
Mortgage Agent Level 1
Abdoulaye Sow
Mortgage Agent Level 1
Michael Le Chi
Mortgage Agent Level 1
Heith Gharib
Mortgage Agent Level 1
Sara Fresco
Mortgage Agent level 1
Mortgage Learning Center
How to Negotiate a Better Mortgage Rate in Alberta, Manitoba, or BC
Securing the best mortgage rates in Canada can save you thousands of dollars over the life of your loan. Whether you're in Alberta, Manitoba, or BC, understanding how to negotiate a better mortgage rate is key to getting the lowest mortgage rates Canada has to offer.
In this guide, we’ll cover:
✔ How mortgage rates are determined
✔ Tips to negotiate the best mortgage rates
✔ Comparing lenders for the lowest rates
✔ Why using a mortgage broker helps
✔ How RateShop.ca can help you find the best deals
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1. How Mortgage Rates Are Determined
Mortgage rates in Canada are influenced by several factors, including:
- Bank of Canada’s policy rate
- Bond yields (affecting fixed mortgage rates)
- Your credit score (higher scores = better rates)
- Loan-to-value ratio (LTV)
- Mortgage type (fixed vs. variable)
- Economic conditions (inflation, housing demand)
Lenders like TD Bank, Scotiabank, BMO, and ATB Financial adjust their rates based on these factors. To get the best mortgage rates Alberta, BC, or Manitoba offer, you need to compare lenders and negotiate effectively.
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2. Tips to Negotiate the Best Mortgage Rates
✔ Improve Your Credit Score
Lenders offer the lowest mortgage rates to borrowers with strong credit (680+). Check your credit report and fix any errors before applying.
✔ Get Multiple Mortgage Quotes
Compare rates from banks, credit unions (like DUCA CU and Alterna Credit Union), and online lenders (Nesto Inc, Ratehub). Use RateShop.ca to quickly compare the best mortgage rates Canada-wide.
✔ Consider a Mortgage Broker
Brokers have access to exclusive deals from multiple lenders, helping you find the best mortgage deals even with unique situations (self-employed, bad credit, etc.).
✔ Opt for a Shorter Term
While 5-year fixed rates are popular, shorter terms (1-3 years) sometimes offer lower mortgage rates.
✔ Increase Your Down Payment
A larger down payment (20%+) reduces risk for lenders, often securing you a better mortgage rate.
✔ Leverage Rate Holds
Once pre-approved, lenders may hold a rate for 90-120 days, protecting you if rates rise.
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3. Comparing Lenders for the Lowest Mortgage Rates
Different lenders offer varying rates. Here’s how some top providers compare:
👉 Use RateShop.ca to compare real-time rates from these lenders and more.
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4. Why Work with a Mortgage Broker?
Mortgage brokers (like those at RateShop.ca) can:
- Access exclusive low mortgage rates from multiple lenders
- Help with mortgage pre-approval, refinancing, or renewals
- Negotiate on your behalf for better terms
- Assist with specialized mortgages (**self-employed, bad credit, rental investments**)
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5. How RateShop.ca Helps You Find the Best Mortgage Deals
Instead of visiting dozens of lender websites, RateShop.ca simplifies the process by:
✅ Comparing the lowest mortgage rates BC, Alberta, and Manitoba offer
✅ Providing personalized mortgage quotes
✅ Offering tools like a mortgage rate calculator
✅ Connecting you with top brokers for the best mortgage rates Canada-wide
🔗 Check current rates now: [RateShop.ca](https://www.rateshop.ca)
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Final Thoughts
Negotiating a better mortgage rate in Alberta, Manitoba, or BC requires research, strong credit, and lender comparisons. By using tools like RateShop.ca and working with a broker, you can secure the best mortgage rates and save significantly over time.
Start comparing today and lock in your best rate!
📌 Looking for the lowest mortgage rates?
👉 [Compare Now at RateShop.ca](https://www.rateshop.ca)
Mortgage Learning Center
First-Time Homebuyer Guide: Getting the Best Mortgage Rates in Canada
Buying your first home is an exciting milestone, but it can also feel overwhelming, especially when it comes to securing the best mortgage rates. With Canada’s diverse housing market and fluctuating m..
Canada's Mortgage Rates in 2025: Trends and Predictions
As 2025 begins, the Canadian mortgage market continues to draw attention, with homeowners, buyers, and investors eagerly anticipating the trends that will shape the housing landscape. Understanding mo...
How to Compare Mortgage Rates in Canada for the Best Deal
When it comes to buying a home in Canada, securing the best mortgage rate is critical to making your investment affordable and financially sustainable. Mortgage rates directly impact monthly payments .
Understanding Fixed vs. Variable Mortgage Rates in Canada
The decision to choose between fixed and variable mortgage rates is one of the most critical choices Canadian homebuyers face.
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6 Indell Lane, Brampton ON L6T 3Y3, Canada
Local: 416-827-2626
Toll: 800-725-9946
RateShop Inc. is a Mortgage Brokerage offering lowest mortgage rates to Canadians. We are provincially licensed in the following provinces: Mortgage Brokerage Ontario FSRA #12733, British Columbia BCFSA #MB600776, Alberta RECA #00523056P, Saskatchewan FCAA #00511126, PEI #160622, New Brunswick FCNB #88426, Newfoundland/Labrador.
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