How we're paid
Worth reading before you take advice from anyone in this industry, including us.
Do I pay anything to use this site?
No. Every rate, calculator and lender profile is free, with no account and no paywall.
What does a broker cost me?
On a prime mortgage, nothing — the lender pays a finder's fee when the mortgage funds. On alternative and private files, where the lender pays no commission, a broker fee applies. It is disclosed in writing and appears on your commitment letter before you sign anything. You will never learn about a fee at the closing table.
Does a higher rate pay the broker more?
Some lenders pay slightly more on longer terms, which is a real conflict and worth naming. It is why the rate board shows everything sorted by rate rather than one recommendation, and why we will tell you when a shorter term is the better deal for you.
Are the advertised rates guaranteed?
No. They are the lowest available for a given term, type and insurance category. Your rate depends on credit, income, property and loan-to-value.
The math is free. Acting on it is the point.
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.
Get matched with a broker