RateShop.ca | Mortgage Learning Centre
Get the lowest mortgage rates in Canada from RateShop.ca
🏡 HELOC vs Refinance: Smart Ways to Tap Equity This Fall
By: Joe Marker Published on: 10/10/2025Compare HELOC vs refinance options this fall to unlock your home equity wisely. Learn which strategy offers lower rates, flexibility, and long-term savings.
Mortgage Rates
🔄 Should You Refinance Your Mortgage Before Year-End 2025?
By: Ali Zaidi Published on: 08/10/2025Explore if refinancing before year-end 2025 could save you money. Learn how to lock in lower rates and reduce monthly payments before market changes.
Mortgage Rates
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.