What does RatesWise.com do?

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.

Why should I let RatesWise do my shopping?

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.

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Home Equity Loan Rates

Blogs

Learn how HELOCs and Home equity loan rates are beneficial. Explore our blogs on how to get the benefits, best rates, and insights to make decisions for your future.

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Buying

Your Complete Guide to Understanding Mortgage Basics: 5 Essential Questions Answered

FAQs

June 20, 2025 (2 mins read)

Learn the basics of Canadian mortgages in plain language. Understand terms like PITI, P&I, and the 5 key stages every homebuyer needs to know....

The Truth About Online Mortgage Calculators: What They Don't Tell You

Buying

June 17, 2025 (2 mins read)

Ontario mortgage calculators miss key qualifying factors. Find out what "conditions apply" really means and get accurate rate information....

2025 Guide to Ontario Down Payment Assistance Programs That Actually Work

Buying

June 13, 2025 (2 mins read)

Discover down payment assistance programs in Ontario, Alberta & Toronto. Get up to $60,000 RRSP withdrawal + rebates. Free mortgage consultation at Rateswise....

Top 7 Reasons to Consider a HELOC for Your Financial Goals

Home Equity Line

June 10, 2025 (2 mins read)

Discover 7 ways to use a HELOC in Ontario. Find the best HELOC rates and learn how HELOCs can help with renovations, debt, and more!...

5 Proven Strategies to Lower Your Home Equity Loan Rate in Ontario

Home Equity Loan

June 5, 2025 (2 mins read)

Discover 5 actionable steps to reduce your home equity loan rate in Ontario. Save money with expert-backed strategies tailored for Canadian homeowners....

How To Get First-Time Mortgages In Canada in 2025: A Step-by-Step Guide

Buying

June 2, 2025 (2 mins read)

Get your first mortgage by understanding and planning the process. Assess your financial situation, work with the mortgage broker, compare options, and choose wisely. ...