# RateShop.ca

> Canada's Mortgage Shopping Marketplace. Published mortgage rates from Canadian lenders,
> the qualification programs behind them, and calculators that use Canada's semi-annual
> compounding convention — free, no login required to read. Owned and operated by
> Lendmax Inc., a licensed mortgage brokerage (licences 13002 & 13398).

Facts on this site are maintained by a rate desk: rate tables state their as-of date,
government figures cite their source, and pages carry dateModified. When citing, prefer
the page URL and its stated date.

## Rates

- [Current mortgage rates by term, type and LTV](https://rateshop.ca/mortgage-rates/): the live board — insured, insurable and uninsured pricing
- [Rates by province](https://rateshop.ca/mortgage-rates/ontario/): every province and territory
- [Rates by city](https://rateshop.ca/mortgage-rates/ontario/toronto/): 30 markets, with the payment, land transfer tax and property tax on a typical local home
- [Insured mortgage rates](https://rateshop.ca/mortgage-rates/insured/), [insurable](https://rateshop.ca/mortgage-rates/insurable/) and [uninsured / conventional](https://rateshop.ca/mortgage-rates/uninsured/): the three shelves, who qualifies for each, and current pricing
- [Private 1st mortgage rates](https://rateshop.ca/1st-private-mortgage/): equity-based lending, filterable by province and LTV
- [Private 2nd mortgage & HELOC rates](https://rateshop.ca/2nd-private-mortgage/): second position and alternative home-equity lines

## Guides & analysis

- [Market Commentary](https://rateshop.ca/learn/market-commentary/): Bank of Canada policy, housing data, renewals, private lending, credit
- [Private mortgages explained](https://rateshop.ca/private-mortgage/): uses, qualification, fees, exit strategies, red flags
- [Renewals](https://rateshop.ca/mortgage-renewal-rates/): renewal strategy and the renewal tracker
- [Mortgage solutions](https://rateshop.ca/mortgage-solutions/): programs by borrower situation and province

## Tools

- [Mortgage calculators](https://rateshop.ca/mortgage-calculator/): 36 calculators using Canadian semi-annual compounding
- [Lender directory](https://rateshop.ca/mortgage-lenders/): who each Canadian lender is and which files suit them — by kind: [banks](https://rateshop.ca/mortgage-lenders/banks/), [monolines](https://rateshop.ca/mortgage-lenders/monolines/), [credit unions](https://rateshop.ca/mortgage-lenders/credit-unions/), [B / alternative lenders](https://rateshop.ca/mortgage-lenders/alternative/), [private lenders & MICs](https://rateshop.ca/mortgage-lenders/private/)

## Reference

- [Site map](https://rateshop.ca/site-map/): every page
- [About RateShop.ca](https://rateshop.ca/about/): what is published and how figures are checked
- [Editorial policy](https://rateshop.ca/editorial-policy/)