Credit profile
Your credit score and history directly influence the rates and products available to you. Even small improvements can unlock meaningfully better terms.
Current Rates
Rates are one part of the equation. Structure is the other.
Published rates give you a starting point, but the right mortgage decision depends on penalty terms, prepayment flexibility, and how the product fits your plans over the next 3–5 years. Amit reviews all of this with you before recommending a specific path.
Indicative rates
Updated regularly from a panel of 40+ Canadian lenders.
The rates below are indicative and subject to change. Your actual rate depends on credit profile, property type, down payment, and amortization. Contact Amit for a precise, personalized quote.
| Term | Fixed Rate | Variable Rate | Best for |
|---|---|---|---|
| 1 Year | 5.89% | 5.65% | Short-term holds or bridge financing |
| 2 Year | 5.29% | 5.50% | Flexibility with moderate rate certainty |
| 3 Year | 4.69% | 5.30% | Balanced approach for uncertain timelines |
| 5 Year | 4.34% | 4.90% | Most popular — stability with competitive pricing |
| 7 Year | 5.50% | — | Maximum predictability for long-term planners |
| 10 Year | 5.95% | — | Rare — suited for very specific financial strategies |
Beyond the rate
What actually determines the cost of your mortgage.
Loan-to-value ratio
The relationship between your down payment and the property value affects insurance requirements, rate tiers, and lender appetite.
Term and flexibility
A lower rate locked into rigid terms can cost more over time than a slightly higher rate with prepayment privileges and fair penalty structures.
Get your personalized rate
Rates only matter when they are built into the right structure.
Share a few details with Amit and receive a tailored rate comparison across multiple lenders — not just the headline number, but the full picture including penalties, flexibility, and total cost of borrowing.