Get Lower Mortgage Rates and Save by Comparing Top Lenders with Rateswise

Want a lower rate on your mortgage?

Stay updated about rates and shop for the lower mortgage deals available today for free.

Checkout the best mortgage rates in Ontario

You may rely on Rateswise to provide you the best competitive mortgage rates, and reduced payments.

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We believe you should save more money on your mortgage

RatesWise is a free, independent service, that helps you save time by doing all the comparison shopping for you.

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Competitive Rates
We offer you the most competitive mortgage rates due to our strong connections with some of the best lending partners in Canada.
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Personalized Strategies
We analyze your financial position to come up with the best mortgage plan that suits your needs and ensures you're not overpaying.
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Transparent Fees
With Rateswise, there are no hidden charges or extra costs that come with other solutions. Thanks to our transparent process we let you know where your money is spent and what costs you incur during the process.
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Expert Guidance
Expert consultants offer advice on cost-saving policies and guide you in the right direction to find the most suitable mortgage, such as a 5-year fixed-rate mortgage or variable mortgage rate.

We shop today's banks for the best rate so you don't have to.

We search and shop for the most competitive mortgage rates in today’s market for you.

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Shop for best

mortgage rates

Compare mortgage rates and apply for the best one without leaving your house.

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Meet Online, On Your

Time

Connect from anywhere, review the mortgage plan, e-sign, and secure the rate on your ideal mortgage.

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All with ONE

Book your meeting with your agent and securely upload your documents through any of our recommended RatesWise partners.

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Enjoy Your Best

Rate

Whether you’re buying a new home, refinancing, or an equity product, Rateswise provides you an opportunity to get in touch with the best-known lenders available today.

Why are you still working with one Bank?

We provide you a list of over 50 direct lending partners and state brokers to offer you the best terms for the lowest interest.

Today's best mortgage rates

Find out today’s best mortgage rates our mortgage brokers can offer in Canada. We help you obtain the best 5-year fixed mortgage rates available in Canada with favorable terms and payments.

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5 Years Fixed
4.64%
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5 Years Fixed
4.94%
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5 Years Fixed
4.94%
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5 Years Fixed
5.04%

You Saved us Thousands Thank You!

Find out how Rateswise changed clients’ financial profiles and removed debt while securing the most competitive mortgage rates.

Saved Us
Emily Johnson
★★★★★
Rateswise helped me find a better mortgage rate than my own bank, and I ended up saving thousands. They didn’t pressure me, just laid out the best options to me, and the one I picked made way more sense than what my bank offered.
Saved Us
Michael Anderson
★★★★★
I was honestly overwhelmed by the mortgage process, the terms, the paperwork, everything. Rateswise made everything simple and clear. Super helpful team!
Saved Us
Jessica Taylor
★★★★★
Honestly, I didn’t think I’d qualify. But Rateswise made it happen, and now I’m a homeowner. Grateful!
Saved Us
Brian Mitchel
★★★★★
As a first-time homebuyer, I had zero clue what I was doing. Rateswise broke everything down for me, showed me what I could actually afford, and helped me lock in the best rate. Can’t thank them enough.
Saved Us
Darren Smith
★★★★★
I’d been shopping around for months. Rateswise had the most competitive rates and gave me real comparisons. I ended up saving 0.4% on my mortgage rate, which is a big deal long-term.
Saved Us
Olivia Davis
★★★★★
What I liked most? It didn’t feel like they were trying to sell me something. They actually helped me understand the fine print, and that’s rare.
Saved Us
Joshua White
★★★★★
I thought all mortgage rates were pretty much the same, but wow, I was wrong. Rateswise showed me how much they actually vary between lenders. They explained hidden fees, prepayment penalties, and even helped me understand how to negotiate a better deal. The lender I picked gave me an awesome rate, and I knew exactly what I was signing up for.
Saved Us
Samantha Lee
★★★★★
We were on the fence about going fixed or variable. After reading their blog and speaking with an expert, we felt way more confident going fixed for 5 years. Glad we did because rates went up a month later.
Saved Us
Ryan Thompson
★★★★★
I didn’t know where to start, honestly, every lender seemed to say they had the best rate. But Rateswise actually compared them side by side based on my credit score and income. They explained why certain rates were better for my situation and even helped me connect with a lender who approved me within two days. I probably wouldn’t have even found that lender on my own.
Saved Us
Christopher Wright
★★★★★
I was paying way too much on my HELOC. Rateswise showed me options to refinance, and I lowered my rate without changing lenders.

Navigating Mortgages, Debt and Financial Success

We Love to help

Have a questions? Here is a list of questions our users frequently ask.

Rateswise.com provides the best mortgage rates based on its users' profiles and needs. Our clients benefit from some of the greatest mortgage brokerages in Canada as well as hassle-free rate comparisons. We search and offer deals from our 50+ lending partners that are the perfect fit for your needs.

To make sure you receive the right fit the first time, Rateswise is always meeting with potential partners, examining rate-based websites, and expanding its product database.

For centuries we’ve been conditioned to just ‘take the bank's word for it’, but with the growing wealth of information available to consumers these days, it just makes sense to compare the marketplace before you sign. The days of driving from bank to bank filling out applications and having to wait for days or worse, weeks, for approval, are long gone. RatesWise leverages relationships and technology to speed up the process, find you a few of the best options on the current market, and help you connect with the right people.

It is free to compare mortgage rates with Rateswise. There are no fees associated with assessing and comparing rates. You can easily and for free locate the best solutions with Rateswise.

Our data collectors have access to a wide range of lenders, brokerages, and other important partners who have generously shared their rates and other program details.

Once you are armed with the information, you are better informed and that is why we think a better-informed homeowner is the key to success.

Users can utilize our services for free, period. Referral agreements with our partners allow them to pay RatesWise a fee each time a client is referred to them. Our lenders and brokerage relationships are something we take seriously, take great steps to verify their offers, and ensure they align with our policies.

Rateswise respects your privacy and makes sure that your personal information is secured using security encryption techniques. We only share your enquiry with reputable lenders to give you the best mortgage rates. Your privacy is protected as we never disclose your information to any parties.