Find the right mortgage product
Every borrower is different. We shop a wide panel of lenders across these product types to match you with the right structure - not just the lowest sticker rate.
Fixed, variable & more
Fixed-rate
Your rate and payment are locked for the term - predictable and popular, especially the 5-year fixed.
Variable-rate
Your rate moves with prime. Often lower to start, with more prepayment flexibility.
Adjustable-rate (ARM)
Like variable, but your payment itself adjusts when prime moves, keeping your amortization on track.
Open mortgage
Repay any amount, anytime, with no penalty - ideal if you expect to pay off soon.
Closed mortgage
Lower rates in exchange for limited prepayment. The most common choice.
HELOC
A revolving line of credit secured against your home - borrow, repay, and re-borrow up to 65% LTV.
Specialty programs
Insured (high-ratio)
Less than 20% down with CMHC/Sagen/Canada Guaranty insurance - often the lowest rates.
Uninsured (conventional)
20%+ down or equity. Required for refinances and homes over $1M.
New construction
Progress-draw and completion financing for new and pre-construction homes.
Self-employed
Flexible income documentation for business owners and contractors.
New to Canada
Programs designed for newcomers building Canadian credit history.
Private & alternative
Equity-based lending when traditional approval isn't the right fit - short-term bridges to A-lender terms.
Not sure which fits? Start your application and an advisor will match you to the right product.
Ready to make your mortgage work for you?
Pre-approval takes minutes, with no impact to your credit score.