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Early Mortgage Renewals: Pros, Cons, and Expert Advice By : Edi Marinescu

Early Mortgage Renewals: Pros, Cons, and Expert Advice By: Edi Marinescu Disclaimer: The following article is for informational purposes only and does...

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5-Year Fixed Mortgage Rates Ontario: Stability and Savings By : Edi Marinescu

5-Year Fixed Mortgage Rates Ontario: Stability and Savings By: Edi Marinescu Are you planning to buy a home in Ontario or looking...

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The Advantages of Mortgage Brokers in Mississauga By : Edi Marinescu

The Advantages of Mortgage Brokers in Mississauga By: Edi Marinescu A mortgage broker is an expert who helps individuals and enterprises to...

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The Advantages of Mortgage Brokers in Ontario By : Edi Marinescu

The Advantages of Mortgage Brokers in Ontario By : Edi Marinescu In Ontario, a mortgage broker is a specialist in assisting people...

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3- year vs. 5-year Mortgage Terms By : Edi Marinescu

3- year vs. 5-year Mortgage Terms By : Edi Marinescu The debate between a 3-year mortgage term and a 5-year mortgage term...

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Due Diligence with Ontario Private Lenders By : Edi Marinescu

Due Diligence with Ontario Private Lenders By : Edi Marinescu Are you seeking to finance a real estate project in Ontario? If...

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Protect Yourself When Using Private Lenders By : Radu Arvatescu

Protect Yourself When Using Private Lenders By : Edi Marinescu Are Private Lenders Your Only Option? Emergency expenses happen and they are...

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Private Lenders Ontario – How to Use Them By : Edi Marinescu

Private Lenders Ontario – How to Use Them By : Edi Marinescu What are Private Lenders? Private lenders are either a single...

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Does a Bridge Mortgage Work for You? By : Edi Marinescu

Does a Bridge Mortgage Work for You? By : Edi Marinescu Did you want to make the most of the current real...

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How to Buy First and Sell Later with a Mortgage... By : Edi Marinescu

How to Buy First and Sell Later with a Mortgage Bridge Loan By : Edi Marinescu Whether you have decided to upsize,...

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How to Use a Bridge Loan to Your Benefit By : Edi Marinescu

How to Use a Bridge Loan to Your Benefit By : Edi Marinescu What Is a Bridge Loan? When you decide to...

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When to Use Private Money Lenders By : Edi Marinescu

When to Use Private Money Lenders By : Edi Marinescu Have you been turned down by the banks? In the increasingly developing...

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Private Loans in Ontario By : Edi Marinescu

Private Loans in Ontario By : Edi Marinescu Why You Can Consider Private Loans in Ontario A private loan is money borrowed...

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Using a Mortgage Broker in Oakville By : Edi Marinescu

Using a Mortgage Broker in Oakville By : Edi Marinescu A Mortgage Broker’s Expertise Locating the ideal funding for your situation and...

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What You Need to Know About Money Lenders By : Edi Marinescu

What You Need to Know About Money Lenders By : Edi Marinescu What are Money Lenders and What do They Do? Briefly...

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Best Mortgage Brokers in Oakville By : Mits Kantaria

The Best Mortgage Broker in Oakville ON By : Mits Kantaria Oakville is one of the best places to live in Ontario....

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What is a Commercial Mortgage Broker and Why Use One By : Mits Kantaria

What is a Commercial Mortgage Broker and Why Should You Use One? By : Mits Kantaria Purchasing commercial real estate can be...

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Second Mortgage Canada By : Mits Kantaria

Taking Out a Second Mortgage with the Help of Your Mortgage Broker in Ontario By : Mits Kantaria If you are already...

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New to Canada Mortgage By : Mits Kantaria

How to Get the Lowest Mortgage Rates in Ontario When You’re New to Canada By : Mits Kantaria If you are new...

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Stress Test Your Mortgage By : Mits Kantaria

Stress Testing Your Mortgage – Tips From Your Mortgage Broker in Ontario By : Mits Kantaria In finance, there’s always a worst-case...

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Can I Afford a Million Dollar Home By : Mits Kantaria

Can I Afford to Buy a Million Dollar Home? Ask Your Mortgage Broker in Ontario By : Mits Kantaria There was a...

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Get a Mortgage with Bad Credit By : Radu Arvatescu

Can You Get a Mortgage with Bad Credit? Advice from a Mortgage Broker in Ontario By : Mits Kantaria Your credit score...

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What is a Mortgage Pre Approval By : Mits Kantaria

What is Pre-Approval with Mortgage Lenders in Ontario? By : Mits Kantaria If you’re ready to buy your first home, you’ll need...

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Dos and Donts of Getting a Mortgage By : Mits Kantaria

First Time Home Buyer in Ontario – The Dos and Donts of Getting a Mortgage By : Mits Kantaria If you’re a...

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Mortgage Renewal Tips By : Mits Kantaria

5 Mortgage Renewal Tips Every Homeowner Should Know By : Mits Kantaria It’s rare to see a mortgage paid off in full...

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Mortgage Glossary By : Radu Arvatescu

Glossary of Mortgage Industry Terms Navigating the mortgage process can be challenging at times. Gathering documentation, meeting with a broker, finding a...

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Frequently asked Questions

Frequently asked Questions By : Radu Arvatescu

Frequently Asked Questions on Mortgages You’re ready to buy a home and explore your mortgage options, but you still have some pressing...

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Residential Mortgage Calculators

Residential Mortgage Calculators By : Radu Arvatescu

Please click on the calculator for options If you need help with your residential mortgage calculation or commercial mortgage calculation, please contact...

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Mortgage Switch / Renewal By : Radu Arvatescu

Mortgage Switch and Renewal The mortgage renewal process is something that catches many Canadians off guard. When it’s close to the renewal...

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Refinancing By : Radu Arvatescu

Refinancing with Mortgage Lenders in Ontario The equity you build in your home is a powerful asset. If you’re nearing the end...

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First Time Home Buyers By : Radu Arvatescu

Financial Tips and Tricks for First Time Home Buyers in Ontario Finding the money for a first time buyer down payment can...

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Mortgages 101 By : Radu Arvatescu

Mortgages 101 – The Complete Guide to Fixed and Variable Mortgage in Ontario Whether you’re looking for your first home mortgage, a...

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Cost of a Mortgage Broker By : Radu Arvatescu

Buying a Home With the Best Mortgage Broker in Toronto If you’re looking for the best mortgage broker in Toronto, we have...

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Why Use a Mortgage Broker By : Radu Arvatescu

Benefits of Using a Mortgage Broker in Ontario vs a Bank Buying or refinancing an existing home is one of the most...

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Average Mortgage Rates in Ontario By : Edi Marinescu

Beating the Average Mortgage Rate in Ontario By : Edi Marinescu “Dislaimer: * this rate may have changed since publishing. Please contact...

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Money Lenders By : Mits Kantaria

Applying for a Mortgage with Private Money Lenders in Ontario By : Mits Kantaria Did you know that private money lenders are...

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Bridge Mortgages By : Mits Kantaria

Mortgage Bridge Loan Basics By : Mits Kantaria If you’re like many Canadian homeowners, the home that you live in today won’t...

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Private Mortgage Lenders By : Radu Arvatescu

Why You Should Consider Private Mortgage Lenders By : Radu Arvatescu Private lenders are corporations and individuals who lend money outside of...

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Benefits of Using a Mortgage Broker By : Mits Kantaria

The Benefits of Using a Mortgage Broker in Ontario By : Mits Kantaria Finding the perfect mortgage can be time-consuming and at...

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Refinance a Mortgage By : Edi Marinescu

Refinancing a Mortgage with the Best Mortgage Rates in Ontario By : Edi Marinescu Getting access to the best mortgage rates in...

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Commercial Real Estate By : Mits Kantaria

Investing in Commercial Real Estate in Toronto By : Mits Kantaria Commercial real estate represents a prime investment opportunity with high potential...

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How Accurate is a Commercial Mortgage Calculator? By : Radu Arvatescu

By : Radu Arvatescu “Dislaimer: * this rate may have changed since publishing. Please contact us for current rates.” If you’re looking...

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Things to Consider When Buying Commercial Real Estate in Hamilton,... By : Radu Arvatescu

By : Radu Arvatescu There’s a lot that goes into buying commercial real estate in Hamilton, Ontario. From checking the title of...

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Understanding a Commercial Mortgage Broker Fee Agreement By : Radu Arvatescu

By : Radu Arvatescu Working with a mortgage broker is one of the fastest, most efficient, and affordable ways to secure commercial...

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A Broker Can Give You the Best Commercial Mortgage Loan... By : Radu Arvatescu

By : Radu Arvatescu As you explore the market and learn how to get a commercial mortgage loan, you will find that...

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Why You Need a Broker for Commercial Mortgages in Ontario By : Radu Arvatescu

By : Radu Arvatescu If you’re shopping for commercial mortgages in Ontario, you’ll have more success with professional representation. You don’t need...

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Why are Commercial Mortgage Rates Higher Than Residential Mortgage Rates? By : Radu Arvatescu

By : Radu Arvatescu “Dislaimer: * this rate may have changed since publishing. Please contact us for current rates.” If you’ve been...

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What You Should Know Before Applying for Motel Mortgages in... By : Radu Arvatescu

By : Radu Arvatescu If you are purchasing a motel to start your career as an entrepreneur in the hospitality industry, you...

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What You Need to Know about Retirement Home Mortgages in... By : Radu Arvatescu

By : Radu Arvatescu If you are looking to invest in a care facility or expand the one you already own, you’ll...

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What is Covered in Medical Office Mortgages in Ontario? By : Radu Arvatescu

By : Radu Arvatescu Canada’s health industry is in a constant state of evolution, with public, private, and mixed health systems providing...

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What Goes into a Valuation Appraisal for Resort Mortgages in... By : Radu Arvatescu

By : Radu Arvatescu If you are in the market to refinance resort mortgages in Ontario, or if you are thinking about...

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What are Special Purpose Mortgages Ontario Used For? By : Radu Arvatescu

By : Radu Arvatescu Most properties can be easily categorized and assigned to mortgage products. Single residential dwellings can be purchased with...

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Learn How to Buy Commercial Property in Ontario By : Radu Arvatescu

By : Radu Arvatescu Buying commercial property is a huge step in your business journey. Whether you are purchasing a property as...

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Is It Hard to Get Offers for Land Mortgages Ontario? By : Radu Arvatescu

By : Radu Arvatescu Are you in the market for a mortgage on an empty lot or financing for a rural property?...

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How a Commercial Mortgage Broker Can Help You By : Radu Arvatescu

By : Radu Arvatescu Shopping for a commercial mortgage in Ontario can be a complicated process. It’s also time-consuming. There are unique...

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Golf Course Mortgages in Ontario – What You Should Consider... By : Radu Arvatescu

By : Radu Arvatescu While golf courses aren’t investments that come up every day, they can be rare and exciting finds on...

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Finding the Best Deals for Lawyers Office Mortgages in Ontario By : Radu Arvatescu

By : Radu Arvatescu Despite being based on many of the same principles, lawyer's office mortgages in Ontario have some important differences...

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Ontario Commercial Mortgage Brokers Simplify the Real Estate Market By : Radu Arvatescu

By : Radu Arvatescu With so much to consider when operating a business, searching for real estate can quickly become overwhelming. Even...

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Construction Mortgages in Ontario How Do They Work By : Radu Arvatescu

By : Radu Arvatescu Whatever property type you need to build, for any type of business or industry, construction mortgages in Ontario...

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Differences Between Hotel Mortgages in Ontario and Hotel Construction Loans By : Radu Arvatescu

Loans By : Radu Arvatescu If you are looking to invest in a hotel business, you’ll need some financial assistance. Mortgages and...

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Do Industrial Mortgages in Ontario Differ from Other Commercial Mortgages By : Radu Arvatescu

By : Radu Arvatescu There’s often confusion in the market when it comes to industrial mortgages in Ontario. Do they differ from...

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Don’t Forget the Basics When Purchasing Retail Outlet Mortgages in... By : Radu Arvatescu

By : Radu Arvatescu Ontario’s retail market is growing, creating demand for real estate investments in the sector. Retail outlet mortgages in...

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Essentials for the Best Commercial Mortgages By : Radu Arvatescu

By : Radu Arvatescu Shopping for a commercial mortgage is one of the most important things you will do in business. Finding...

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Options for a Mortgage to Buy Commercial Property By : Radu Arvatescu

By : Radu Arvatescu You can use a mortgage to buy commercial property that will be used in the course of your...

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Plaza Mortgages in Ontario and Shopping Center Investment By : Radu Arvatescu

By : Radu Arvatescu In the three-month period ending July 2019, the Canadian store merchandise retail market grew by 2.1%. Food and...

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Should You Use a Broker When Buying Retail Store Mortgages... By : Radu Arvatescu

By : Radu Arvatescu Whether you are building a business from the ground up or need financing for expansion, you’ll eventually need...

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The Top 3 Commercial Mortgage Services a Broker Can Provide By : Radu Arvatescu

By : Radu Arvatescu When you work with a broker you will enjoy extended commercial mortgage services that the large banks and...

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Understanding Multi Family Home Mortgages in Ontario By : Radu Arvatescu

By : Radu Arvatescu If you are looking for your next investment, commercial multi-family home mortgages in Ontario could be your gateway....

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Everything You Need to Know About Hotel Financing Rates By : Radu Arvatescu

By : Radu Arvatescu “Dislaimer: * this rate may have changed since publishing. Please contact us for current rates.” Commercial hotel financing...

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Find the Best Rates on Office Building Mortgages in Ontario By : Radu Arvatescu

By : Radu Arvatescu “Dislaimer: * this rate may have changed since publishing. Please contact us for current rates.” Purchasing an office...

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Lowest Residential Mortgage Rates in Canada*

Term OUR RATE TD Bank Rate
3 Year Fixed/ 25 yrs 5.99% 6.51%
3 Year Variable/ 25 yrs 6.20% Promo 6.70%
4 Year Fixed/25 yrs 5.54% Promo 6.29%
5 Year Fixed/ 25 yrs 5.54% Promo 6.14%
5 Year Variable/ 25 yrs 6.20% Promo 6.90%
5 Year Fixed/ 30 yrs 6.05% Promo 6.24%
5 Year Variable/30 yr 6.70% 7.05%
4 Year Fixed/30yr 6.34% Promo 6.39%
3 Year Fixed/30yr 6.24% Promo 6.61%
**NEW RENTAL 5 Year Fixed /30yr 6.15% Promo 6.29%
** NEW RENTAL 3 Year Fixed /30yr 6.34% Promo 6.66%

Updated: Aug 23 , 2023

* Current promotion rates may provide an additional 0.05% discount or may be anytime discontinued at the Lender discretion . Rates may vary between geographic regions and the posted rates on this website may not be available in your area.TD Bank rate used for comparable are the rate listed by TD Canada Bank in the Broker Chanel Portal at the date above. Please contact our MCI office for more details and current promotions.

LOWEST REGULAR RATES IN CANADA*   * Current promotion rates may provide an additional 0.10% discount. Rates may vary between geographic regions and the posted rates on this website may not be available in your area. Please contact our MCI office for more details and current promotions.

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