How It Works
How RATECORE Mortgage Works
From first question to closing day — here's exactly what happens when you work with us.
Sources:FSRA
The Process
Your Path to the Right Mortgage
Five straightforward steps from your first question to closing day.
Tell Us What You're Looking For
No SIN, no hard credit pull. Just tell us your goal (purchase, refinance, or renewal), property price, down payment, and income. Takes 5 minutes.
See Your Instant Estimate
Our system matches your profile to 30+ lenders instantly. You'll see an estimated payment, your maximum mortgage, and whether you'll need CMHC insurance.
Get Connected with an Expert
A licensed Ontario mortgage professional reviews your file. We connect you within 1 business day to discuss your options.
Compare & Choose Your Mortgage
Your mortgage expert presents the top 3–5 options tailored to your situation. No pressure — just clear comparisons.
Close With Confidence
We coordinate with your lawyer, lender, and real estate agent. You show up on closing day, sign the papers, and get the keys.
Why Choose RATECORE
Why Compare Rates With Us?
We work for you, not the bank. Here's what that means in practice.
Access to 30+ Lenders
Including major banks, credit unions, and monolines — giving you more options and better rates than going to a single bank.
Completely Free to You
Our service is 100% free to homebuyers. The lender pays when your mortgage closes — you never pay a cent.
One Application, Many Offers
Shopping multiple lenders yourself triggers multiple hard credit inquiries. RATECORE submits one application across all of them.
Licensed Professionals
Every mortgage expert in our network is FSRA-licensed and specializes in Ontario. They explain every option in plain language.
Common Questions
Frequently Asked Questions
Get Started Today
Ready to Get Started?
It's free, fast, and there's no obligation.