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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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 | 3.94% |
Meridian Credit Union | 3.99% |
Exclusive Lender | 4.09% |
Simplii Financial | 4.09% |
Rates as of August 31, 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
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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.
The B Lenders of Ontario: Who They Are and How to Compare Them
Ontario's established B lenders, mapped: Home Trust, Equitable Bank, Haventree, Community Trust, Eclipse, Excalibur, Aveo and RFA — what each is known for, why none of them take walk-ins, and how to compare them beyond the rate.
How Long Does Bad Credit Actually Block a Mortgage in Ontario?
Not as long as most people assume — and the waiting period is rarely what's holding the file up. The real reporting windows, which lender tier fits which profile, and what underwriters weigh more heavily than your score.
What Your Home Equity Actually Costs, City by City in Ontario
The same 85% loan-to-value ceiling produces wildly different numbers in Windsor and Oakville — and changes which lender tier is worth using. The math, market by market.
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