Compare Ontario's best mortgage rates — in minutes
We compare 30+ lenders so you don't have to. Real rates, licensed experts, zero credit impact to start.
Today’s best rates
OAC · 25yr am · Owner-occupied
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Three steps from first question to funded mortgage — backed by licensed professionals the whole way.
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Select your mortgage type and answer a few questions — no SIN number, no hard credit pull. Takes about 3 minutes.
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We match your profile against 30+ lenders and show you real, personalized rates — not teaser rates that change at the last minute.
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A licensed mortgage professional reviews your options, handles lender submissions, and guides you through to closing day — at no cost to you.
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Today’s best mortgage rates
Updated hourly · Sourced directly from our lender network
| Lender | Rate |
|---|---|
Canadian Lender | 3.75% |
Simplii Financial | 4.09% |
Meridian Credit Union | 4.29% |
CIBC Mellon Trust Company | 4.29% |
CS Alterna Bank | 4.29% |
Rates as of April 18, 2026 · Subject to credit approval and change
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Canadian mortgage math, done right
Canadian mortgages use semi-annual compounding — not monthly like US mortgages. Our calculator uses the math required by Canada’s Interest Act, applies the stress test at the qualifying rate, and calculates CMHC insurance when your down payment is under 20%.
- Real Canadian semi-annual compounding math
- Stress test at qualifying rate
- CMHC insurance automatically calculated
- Live rates from our lending network
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Why Ontario homeowners choose RATECORE
Big banks have their interests. We have yours.
30+ Lenders Compared
We shop every major bank, credit union, and monoline lender so you don't have to.
No Credit Impact
Our initial pre-qualification uses a soft credit check only — no hard inquiry, no score impact.
Backed by Licensed Pros
Every rate quote is backed by FSRA-licensed mortgage professionals who work in your best interest.
Completely Free
Our service is 100% free to you. The lender pays when your mortgage closes — you never pay a cent.
Mortgage insights
Plain-language guides for Ontario homebuyers and investors.
CMHC Insurance: What Every First-Timer Needs to Know
Putting less than 20% down? Here's exactly how CMHC insurance is calculated and added to your mortgage.
Fixed vs Variable Rate Mortgages in 2026: Which Is Right For You?
With rate cuts underway, should you lock in or go variable? We break down the trade-offs clearly.
When Does Refinancing Actually Make Sense?
Refinancing isn't always the right move. Here's the math — and the questions to ask before you sign.
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No credit check · Free service · Backed by licensed professionals