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Top 8 Reasons To Get Your Mortgage With RateShop.ca
Best Mortgage Rates. Period.
We feature rock-bottom rates from several banks, credit unions, and lenders plus many exclusive low rates that aren’t available through other brokers or lenders directly.
Same Day File Review
Our service commitment is, we will never sit idle on a file. The day we have your application & documents, we start our review immediately to analyze all our lender offers and suggest the best one for you.
Largest Choice of Lenders
We offer the most comprehensive list of banks, credit unions, monoline lenders you’ll find in Canada. More choice, better rates, greater flexibility and dozens of purchase, refinance, renewal & home equity programs.
Easy Mortgage Approval
Our application searches from 700+ mortgage offers with various terms, rate types, and lending programs from 65+ mortgage lenders in Canada, that finds your best suited rate for your unique situation. Unleash the power of Artificial Intelligence to help you save on your mortgage!
Award-winning Service
We work relentlessly to improve every aspect of our service, from service to transparent lending solutions. We’re proud and humbled by our clients' and lenders' appreciation to vote us their preferred partner. Our mission is to provide the best mortgage offerings & services on the planet.
Customers Love Us
We always tell our clients, it's not just about the rate! Finding a solution that works for you, instead of costs you more in the future is what our mortgage planning is about. In two to three years into the mortgage term, this becomes very apparent. Customers have called us back telling us how our advice saved them money and educated them to manage finances better.
Mortgage Lenders Love Us
As a volume broker, our lender relations are important. That's what gets us great rates, and this is possible because we know the programs, we're fluent in underwriting and we are efficient with approvals. Who & What you know in the industry matters, we understand all bank programs and know where to find you flexibility and rate discounts.
Free Mortgage Rate Monitoring
Stay on top of mortgage savings, rate specials, wealth creation tips & investment opportunities. Breaking news affecting mortgage rates and real estate in Canada. We use our AI technology to compare your rate monthly with available lender offers and find the savings for you.
Best Mortgage Rates. Period.
We feature rock-bottom rates from several banks, credit unions, and lenders plus many exclusive low rates that aren’t available through other brokers or lenders directly.
Same Day File Review
Our service commitment is, we will never sit idle on a file. The day we have your application & documents, we start our review immediately to analyze all our lender offers and suggest the best one for you.
Largest Choice of Lenders
We offer the most comprehensive list of banks, credit unions, monoline lenders you’ll find in Canada. More choice, better rates, greater flexibility and dozens of purchase, refinance, renewal & home equity programs.
Easy Mortgage Approval
Our application searches from 700+ mortgage offers with various terms, rate types, and lending programs from 65+ mortgage lenders in Canada, that finds your best suited rate for your unique situation.
Award-winning Service
We work relentlessly to improve every aspect of our service, from service to transparent lending solutions. We’re proud and humbled by our clients' and lenders' appreciation to vote us their preferred partner.
Customers Love Us
We always tell our clients, it's not just about the rate! Finding a solution that works for you, instead of costing you more in the future is what our mortgage planning is about.
Mortgage Lenders Love Us
As a volume broker, our lender relations are important. That's what gets us great rates, and this is possible because we know the programs and are efficient with approvals.
Free Mortgage Rate Monitoring
Stay on top of mortgage savings, rate specials, wealth creation tips & investment opportunities. We use AI to compare your rate monthly with available lender offers and find the savings for you.
Canada's Top Independent Mortgage Brokerage
Compare Rates, Lenders and Your Savings
100% Digital Experience, Guaranteed lowest Rates
Easy Mortgage approvals accross Canada & US*
Unbiased Mortgage Advice to help Financial Growth
Streamlined Funding Guaranteed, You're covered!
5 Star Rated Service with Discounted Online Rates
#1 Voted Mortgage Calculators in Canada
Canada's Best
Mortgage Rates
4.29%
Lowest Purchase
3-YR Fixed
Our Mortgage Experts
Dylan James
Mortgage Agent Level 1
Abdoulaye Sow
Mortgage Agent Level 1
Michael Le Chi
Mortgage Agent Level 1
Heith Gharib
Mortgage Agent Level 1
Sara Fresco
Mortgage Agent level 1
Mortgage Learning Center
Canadians Manage Debt?
Understanding the intricacies of the Canadian real estate market requires an awareness of local provincial conditions and the impact of mortgage rates. These factors shape the housing market, influenc... ...more
Mortgage Rates
February 28, 2025•4 min read
Debt Consolidation
In today’s volatile economic environment, the rising cost of living and fluctuating interest rates can make debt management overwhelming. By consolidating multiple debts into one, Canadians can focus ... ...more
Mortgage Rates
February 21, 2025•4 min read
Spring 2025: Is Now the Best Time to Buy a Home in Canada?
Discover if Spring 2025 is the ideal time to buy a home in Canada. Explore mortgage rates, pre-approval tips, and market trends to make an informed decision. ...more
Mortgage Rates
February 21, 2025•3 min read
Guest Post: How to Navigate Rising Rates as a First-Time Homebuyer
Learn how first-time homebuyers in Canada can navigate rising interest rates, secure the best mortgage rates, and get preapproved for a mortgage. ...more
Mortgage Rates
February 21, 2025•2 min read
Expert Interview: What’s Next for Canada’s Mortgage Market?
Discover insights on Canada’s mortgage market trends, including interest rates, refinancing, and pre-approval strategies, from industry experts. ...more
Mortgage Rates
February 20, 2025•2 min read
Holiday Homebuying Guide: What to Know Before You Buy
Planning to buy a home during the holidays? Learn about mortgage pre-approval, interest rates, and tips to secure the best mortgage rates in Canada. ...more
Mortgage Rates
February 20, 2025•2 min read
Mortgage Learning Center
First-Time Homebuyer Guide: Getting the Best Mortgage Rates in Canada
Buying your first home is an exciting milestone, but it can also feel overwhelming, especially when it comes to securing the best mortgage rates. With Canada’s diverse housing market and fluctuating m..
Canada's Mortgage Rates in 2025: Trends and Predictions
As 2025 begins, the Canadian mortgage market continues to draw attention, with homeowners, buyers, and investors eagerly anticipating the trends that will shape the housing landscape. Understanding mo...
How to Compare Mortgage Rates in Canada for the Best Deal
When it comes to buying a home in Canada, securing the best mortgage rate is critical to making your investment affordable and financially sustainable. Mortgage rates directly impact monthly payments .
Understanding Fixed vs. Variable Mortgage Rates in Canada
The decision to choose between fixed and variable mortgage rates is one of the most critical choices Canadian homebuyers face.
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6 Indell Lane, Brampton ON L6T 3Y3, Canada
Local: 416-827-2626
Toll: 800-725-9946
RateShop Inc. is a Mortgage Brokerage offering lowest mortgage rates to Canadians. We are provincially licensed in the following provinces: Mortgage Brokerage Ontario FSRA #12733, British Columbia BCFSA #MB600776, Alberta RECA #00523056P, Saskatchewan FCAA #00511126, PEI #160622, New Brunswick FCNB #88426, Newfoundland/Labrador. Our Quebec Mortgage Transactions are serviced by Orbis Mortgage Group AMF# 181136.
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