The Best Mortgage Rates

One broker. Multiple options.

TODAY'S BEST RATES

The Best Mortgage Rates

One broker. Multiple options.

We do the shopping, you get the best ratesFree professional advice for every situation

5 Year Fixed

3.19% hide

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** subject to approval

5 Year Variable

2.40% Prime - 1.05

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** subject to approval

3 Year Fixed

3.04% hide

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** subject to approval

Rate Specials

2.**% hide

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** subject to approval

The best mortgage options, the best rates

Learn how a mortgage broker can reduce your rates. Access lenders no matter what your credit rating.

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416.520.1679

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Banks aren’t the best answer. We are.

Banks aren’t the only game in town for a mortgage. When you access a professional mortgage broker it opens up the possibilities to private lenders the banks can’t touch. Small business owners, self employed individuals, new Canadians and people with poor credit often take advantage of this service, and benefit from better rates and terms.

LendingOptions was created for the single purpose of providing Canadians with better alternatives than just big banks. We partnered up with mortgage specialists which allows our users to take advantage of preferred rates. Our partners do all the shopping around to find the best possible options available for you. This service is free to you, the customer, because we get paid by the participating mortgage specialists, when a mortgage is approved. Ready to get free advice from a highly-skilled professional?

Our partners regularly receive short-term rate promotions that are not posted online, which means these rates change frequently. Please contact us for these unpublished rate specials, and for your own personalized rate and mortgage plan.

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FAQ's

It does matter if you work with an experienced highly trained mortgage broker. They are essentially retained for you the client to shop the mortgage market (including banks, trust companies, private lenders and other financial institutions) and to provide independent advice in choosing a mortgage commitment to fit the client’s particular needs.
Each lender (bank, private lender, trust company) has their own underwriting criteria and risk threshold. These two factors alone give lenders the ability to compete with each other and offer different and very competitive mortgage rates. Only an experienced mortgage broker with an extensive network of lenders can truly get you the best product and rate available based on your credit rating and earning capacity.
No. A broker is paid by the lender (bank, private lender, trust company) once a mortgage is approved. There is no cost to you for having a broker shop around and find your a mortgage.
You save in a couple of ways. First, we shop over 30 lenders to find you the best rate, consider us your Expedia for a mortgage loan. Secondly, our expert back office support team manages the entire approval process; we do the running around so you can save time and money.
Anyone can benefit from our services. Many of our customers are self-employed, new Canadians or have credit issues.
If you strongly feel it's important to get the best mortgage rate then do not settle for what the bank offers without first shopping around. Where do I start? Who do I talk to? How much time and money will it cost me to shop around? Is it worth the effort? Will I really save? You will never really know if you attempt shopping around by yourself. Only an experienced mortgage broker can get you the right answers and most importantly the best rates and long term savings. Talk to us today.

We do the shopping. You get the best rates

Unlike a bank or financial institution that only sells one product, a broker has an extensive network of banks as well as private lenders to draw options from. They can shop the market to get the right mortgage for your needs, at the right rate. They do all the running around, you get all the benefits of the best possible rates.

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Search over 30 lenders at once

A broker is a high skilled mortgage professional that can access funds a bank employee can’t. By accessing these private lenders, a broker can negotiate better rates and terms for any residential mortgage in Canada. A mortgage broker costs you nothing. They are paid by the lender or financial institution that approves the loan. There is no cost to you, only savings.

TODAYS BEST RATES

How can we help?

Lenders offer us preferred rates and we pass along these savings to our clients. Our experienced back office does all the paperwork and running around. In summary, you get the best rates, a professional service, you save time and save long term.

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** Disclaimer

The rates shown on this website are only applicable to loans being processed by partners on the LendingOptions.ca network. The rates are for informational purposes only; it's not an offer to make a loan or the approval of any particular loan terms. Not all applicants are eligible for the rates shown, and rates and loan programs are subject to change without notice.

An actual interest rate and loan terms cannot be determined until an actual application has been submitted and approved for a loan. All loan applicants must submit a written or web based application and all required documentation. All loan applicants must qualify under our underwriting requirements and satisfy all contingencies of loan approval, including verification of financial information. Loan approval is subject to satisfactory appraisal, title review, and no change in financial condition.

We use reasonable care in providing information but do not guarantee accuracy or completeness. Information is provided with no warranty, express or implied, and all such warranties are expressly disclaimed. We assume no liability for any loss, damage, or expense from errors or omissions in these materials, whether arising in contract, tort or otherwise.