Updated weekly · Last reviewed 2026-07-17
Rates that start lower than
your bank's renewal letter.
No lender logos, no bait tables — just where strong rates start this week, and the fastest way to get your exact number: ask.
*Illustrative "from" estimates for well-qualified insured files as of 2026-07-17 — not an offer or commitment. Rates change without notice and depend on your down payment, credit, property and term. O.A.C. E.&O.E.
What that looks like as a payment
Monthly payment at the 3.55%* variable-from rate, 25-year amortization:
| Mortgage amount | Est. monthly payment |
|---|---|
| $500,000 | $2,510/mo |
| $750,000 | $3,764/mo |
| $1,000,000 | $5,019/mo |
Estimates only — try the payment calculator with your own numbers, or check what you can afford.
The truth about advertised rates
The rock-bottom rate you saw online usually comes with catches — insured-only, restricted prepayments, big penalties, or a property type yours doesn't match. That's why this page stays generic: the only rate that matters is the one your file actually gets.
My job is shopping 88+ lenders against each other for that number — and I usually have it back to you in under an hour. It costs you nothing: lenders pay me, not you (O.A.C.).
Rate questions, straight answers
Why don't you list exact rates for every term?
Because the exact rate depends on your down payment, credit, property and closing date — and rates move weekly. A big table of numbers you may not qualify for helps nobody. I shop 88+ lenders and send you the real number for your file, usually within the hour.
Are these the rates I'll actually get?
These are "from" estimates for well-qualified, insured files — the starting point, not a promise. Your rate is confirmed in writing once we've looked at your file. Everything is O.A.C. (on approved credit).
Fixed or variable — which should I pick right now?
Fixed gives payment certainty; variable is currently priced below fixed and benefits if the Bank of Canada cuts again. The right choice depends on your budget, timeline and risk comfort — that's a 10-minute conversation, not a rule of thumb.
What rate do I have to qualify at?
Regardless of your contract rate, lenders test you at the greater of your rate + 2% or 5.25% — the federal stress test. It affects how much you qualify for, not what you pay.
How do I get today's exact rate for my situation?
Ask the chat assistant on this page, message me on WhatsApp, or build your plan at /mortgage-plan — I'll come back with the real number, usually in under an hour.
