RateShop.ca | Mortgage Learning Centre
Get the lowest mortgage rates in Canada from RateShop.ca
Refinancing in December 2025
By: Ali Zaidi Published on: 16/12/2025Explore the pros, cons, and timing of refinancing in December 2025. Learn how lower rates, lender promotions, and strategic planning can reduce payments before 2026.
Homeowners Can Reduce Payments
By: Michael Squeo Published on: 19/11/2025Discover smart ways homeowners can reduce monthly payments before the holidays in 2025. Learn refinancing, consolidation, amortization, and budgeting strategies.
Should You Refinance Before the Next BoC Rate Cut?
By: Ali Zaidi Published on: 28/10/2025Learn whether refinancing before the next Bank of Canada rate cut can help you secure better terms, lower payments, and maximize your mortgage savings.
5 Year - Fixed Term from
3.89%
*Advertised rates may not be offered by this lender. Mortgage lender offers are aggregated by RateShop & its Brokerage Network subject to change without notice. Speak with our mortgage broker about APR and qualification requirements.