Lowest Mortgage Rate in Canada. Starting from 1.99%
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Hi! I'm your AI agent for Home Mortgages

I can answer your questions about mortgage rates, pre-approval process, down payment requirements, first-time buyer programs, mortgage calculators, application steps

Your mortgage journeystarts here

Get pre-approved in minutes, not days. Our streamlined process makes homeownership accessible with competitive rates and expert guidance every step of the way.

1

Apply online

It only takes minutes to start bringing your goals into focus.

2

Know your next steps

Together we'll figure out what makes the most sense for you.

3

Get your loan

Your dedicated team of experts will help you reach the finish line.

4

Check off that goal

And when it's time for the next one, we'll be here.

AI-Powered Rate Shopping

Let Our AI Superagent Shop for YourBest Mortgage Rates

Our AI Rate Shopper continuously monitors 100+ lenders to find you the absolute best rates available. Set your timeline and let technology work for you.

How It Works

Simple, automated, and effective

1

Enter Your Timeline

Tell us your purchase or renewal date

2

Set Shopping Schedule

Choose when our AI should start rate shopping

3

Receive Best Rates

Get personalized rate reports delivered to you

AI-Powered Search

Our AI scans 100+ lenders in real-time

Perfect Timing

Set when to start shopping for optimal rates

Best Rates Guaranteed

We find rates you can't get anywhere else

Secure & Private

Your information is protected and never shared

Free Step-by-Step Guide

Learn how to get the best mortgage rates & terms

Starting from
4.09%
5-year fixed rate
Rate depends on your profile and location
Term
Rates From
Payments as low as

Want to Know How to Get the Best Mortgage Rates and Terms?

Our step-by-step guide helps homeowners navigate the complex world of mortgages and secure the best possible deals.

AI-Powered Assistance

Talk to our AI Superagentfor instant mortgage guidance

Get immediate answers about mortgages, current rates, or book a consultation with a mortgage specialist — all through our advanced AI assistant.

Ask About Mortgages

Get instant answers about mortgage types, terms, pre-approvals, and qualification requirements.

Compare Rates

Our AI provides up-to-date rate information and personalized comparisons based on your situation.

Book a Consultation

Let our AI schedule a meeting with a mortgage specialist at a time that works for you.

MortgageNOW AI Superagent

"I can answer all your questions about mortgages, rates, or help you book a consultation with a mortgage specialist. What would you like to know?"

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Compare & Save Calculator
See for yourself how much you can save with our lower rates.
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Mortgage Payment Calculator
See what your monthly payment could be, with our quick and accurate calculator.
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Mortgage Renewal Reminder
Renewal time already? That was fast. Get a reminder to save a pile of cash.

Want to know the insider secrets to getting the best mortgage?

Unbiased, expert advice. Completely free.

Mortgages can be stressful. Our crazy-good experts make it easy. Whether you apply online or stop by, you get a real person who cares about getting your best mortgage.

We're unified, highly trained and salaried for unbiased advice. And there's no cost orobligation while we deal with the lenders and details for you. It's a relationship for alifetime of mortgage help – anywhere you are in Canada.

Have a ton of questions? We're ready for that (it goes hand-in-hand with saving you apile of cash).

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Pre-Qualify in Minutes

KNOW WHAT YOU CAN AFFORD

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First Time Home Buyers

WE MAKE YOUR FIRST MORTGAGE SIMPLE

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Buying Your Next Home

A SPEEDY MORTGAGE WITH GREAT ADVICE

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Renewals and Transfers

IT'S TIME TO SAVE MORE

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Refinancing Your Home

GET A LOWER RATE FOR ALL YOUR DEBT

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All Mortgages

WHAT DO YOU NEED? SEE FULL LIST HERE

COMPLEX MORTGAGE SOLUTIONS
INVESTMENT PROPERTIES
VACATION AND SECONDARY HOMES
PURCHASE PLUS IMPROVEMENTS
CASH BACK MORTGAGES
MORTGAGES FOR SELF-EMPLOYED
NEWCOMERS TO CANADA
HOME EQUITY LINE OF CREDIT (HELOC)
PRE-PAYMENT PENALTIES AND PRIVILEGES
REVERSE MORTGAGE

Want to Know How to Get the Best Mortgage Rates and Terms?

Our step-by-step guide helps homeowners navigate the complex world of mortgages and secure the best possible deals.

Best Rates NOW

AI finds your lowest rates automatically

Free Guide

Get the best rates & terms