Get the lowest mortgage rates in Canada from RateShop.ca
Compare HELOC vs refinancing at year-end 2025. Learn which option improves cash flow, lowers payments, consolidates debt, and fits your 2026 goals.
5 Year - Fixed Term from
*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.