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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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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Today’s best mortgage rates
Updated hourly · Sourced directly from our lender network
| Lender | Rate |
|---|---|
Canadian Lender | 3.75% |
Simplii Financial | 4.09% |
CS Alterna Bank | 4.29% |
CIBC Mellon Trust Company | 4.29% |
Meridian Credit Union | 4.29% |
Rates as of May 8, 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
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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.
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Every rate quote is backed by FSRA-licensed mortgage professionals who work in your best interest.
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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.
Mortgage Renewal 2026 in Canada: What Borrowers Are About to Face
Hundreds of thousands of Canadians are renewing in 2026 — many at rates two to three times what they signed in 2021. Here's what to actually do about it.
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.
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No credit check · Free service · Backed by licensed professionals