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
What’s your goal?
No credit check · Takes 3 minutes
$4B+ closed by our founding agentsNo credit checkFree service
- Closed by our founding agents
- $4B+
- Our team, together
- 15+ yrs
- Lender partners compared
- 30+
- Our fee — the lender pays
- $0
Our Lending Partners
Trusted by Canadians — Backed by 30+ top lenders
Your mortgage, simplified
Three steps from first question to funded mortgage — backed by licensed professionals the whole way.
Tell us your goal
Select your mortgage type and answer a few questions — no SIN number, no hard credit pull. Takes about 3 minutes.
See your rates instantly
We match your profile against 30+ lenders and show you real, personalized rates — not teaser rates that change at the last minute.
Get expert guidance
A licensed mortgage professional reviews your options, handles lender submissions, and guides you through to closing day — at no cost to you.
No credit check · Takes 3 minutes
Today’s best mortgage rates
Updated hourly · Sourced directly from our lender network
| Lender | Rate |
|---|---|
Exclusive Lender | 3.89% |
Exclusive Lender | 3.89% |
Exclusive Lender | 3.99% |
Exclusive Lender | 4.04% |
Exclusive Lender | 4.09% |
Rates as of July 28, 2026 · Subject to credit approval and change
Get My Personalized Rate →Built for Canada
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
Enter your details to see your estimate
Results appear instantly
Why Ontario homeowners choose RATECORE
The experts who built RATECORE spent 15+ years closing mortgages together — more than $4B of them. We built the platform we wished we'd had.
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 Agents
Every rate quote is backed by FSRA-licensed mortgage agents 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.
Canada's Private Lending Rules Every Ontario Borrower Should Know (2026)
A private mortgage can be a smart 12-month bridge or a bad deal in disguise. Four rules protect you as an Ontario borrower in 2026 - here's how to tell the difference.
How to Consolidate Debt With Home Equity When the Bank Says No
Rolling high-interest credit card debt into your home equity can cut the interest dramatically — but it stretches the term and puts your house behind the loan. Here's the honest math, and the path when a bank won't do it.
B Lender Mortgage Rates in 2026: Why They're Higher and What Drives Them
B lender rates sit above bank rates for real reasons — funding, risk, and manual work. Here's what pushes the premium up or down, and the levers that lower yours.
Ready to find your best rate?
Compare 30+ lenders with agents who have closed $4B+ in mortgages.
No credit check · Free service · Backed by FSRA-licensed mortgage agents