A couple lying in bed, discussing mortgage rates and purchasing their first home.

Low Rates. Smart Terms.

Discover a mortgage with rates you like and features you love.

Low Mortgage Rates Starting From...

A great mortgage is more than just a low rate. Explore our lowest insured and conventional rates, but contact us for an accurate quote. Rates are based on your application, transaction type, mortgage amount, credit, loan-to-value and more - we'll help you discover the best mortgage product for your life!

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TermRatePayments (Monthly)
1 Year Fixed6.59%Apply Now
2 Year Fixed5.99%Apply Now
3 Year Fixed5.09%Apply Now
4 Year Fixed5.09%Apply Now
5 Year Fixed4.89%Apply Now
10 Year Fixed6.29%Apply Now
5 Year Variable6.20%Apply Now
TermRatePayments (Monthly)
1 Year Fixed6.99%Apply Now
2 Year Fixed6.39%Apply Now
3 Year Fixed5.49%Apply Now
4 Year Fixed5.49%Apply Now
5 Year Fixed5.29%Apply Now
5 Year Variable6.75%Apply Now
Mortgage Amount
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Disclaimer: Monthly payments are based on a 25 Year (Insured) and a 30 Year (Conventional) amortization and are for illustrative purposes only. Use our Payment Calculator for more detail.

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What You Need to Know About Mortgage Rates

Learn the basics to get the mortgage you deserve

Insured Rate

The interest rate on a high-ratio mortgage (with a down payment of less than 20%), ...

The interest rate on a high-ratio mortgage (with a down payment of less than 20%), which is typically lower than the interest rate on a conventional mortgage.

We Have Better Rates

It’s true, we have better rates than our competitors. But, more important is the reason ...

It’s true, we have better rates than our competitors. But, more important is the reason why. Our banks know that we get deals done. We know mortgage products inside out, and we get to know our clients with the same integrity. When we submit an application we are confident that our clients will likely qualify. Rejected applications waste bank's valuable time. They appreciate that we have such a high success rate and reward us with lower rates and better mortgage products, which we then share with you!

Good Features Trump Low Rates

Don’t let low rates distract you from the details. Features and restrictions will determine whether ...

Don’t let low rates distract you from the details. Features and restrictions will determine whether a mortgage is the right fit for you. Pay attention to terms like cash-back, claw backs, prepayment penalties, or bonafide sales clauses (Yuck!). Feeling lost? Rest assured, we’ll decipher the techy bits and help you find a mortgage that fits just right.

You Can Save Your Rate for up to 120 Days

Our job is to always be ready for you to say go! Once you’ve submitted ...

Our job is to always be ready for you to say go! Once you’ve submitted an application we get right to work. We will talk with various lenders and negotiate the best rate and product to match your mortgage plans. When you accept the offered rate (and mortgage product), it can then be held for up to 120 days. Bonus, if the rate drops even lower in that time period we will match that too! Get your application started so we can find the lowest rate and best product that you need!

Conventional Rate

The interest rate on a mortgage with a down payment of 20% or more, which ...

The interest rate on a mortgage with a down payment of 20% or more, which does not require mortgage default insurance.

Translating Fixed vs. Variable

Two terms you should truly comprehend. With a fixed rate the interest will not change ...

Two terms you should truly comprehend. With a fixed rate the interest will not change throughout the mortgage term. With a variable rate the interest will fluctuate throughout the mortgage term. While it’s easy to switch from variable to fixed, going the other way- from fixed to variable, will be much more costly. Keep these terms in mind when low mortgage rates pop into your periphery. A good mortgage is much more than just a low rate. We can help you clarify what matters most in your ideal mortgage search.

Know the Difference: Terms vs. Amortization

More mortgage terms that are often confused, rarely understood. Terms refers to how long you ...

More mortgage terms that are often confused, rarely understood. Terms refers to how long you will have the mortgage rate, usually 1-10 years. Amortization, on the other hand, is how long you will take to pay off your mortgage. The maximum amortization period is 30 years. Still a bit fuzzy? We’re here to translate all this mortgage lingo into a language you can understand.

We Are Mortgage Brokers Not Lenders

Spin Mortgage is a team of residential lending experts. We have a meticulous understanding of ...

Spin Mortgage is a team of residential lending experts. We have a meticulous understanding of the current market and an equally broad knowledge base. The mortgage we help you secure is a loan from one of our trusted lenders who we have been harmoniously working with since 1998. Our job is to combine our passion for helping people with our mortgage smarts to get you the best possible mortgage product.

Our Trusted Lenders

We choose responsible lenders that offer transparent and competitive mortgage products, so you can borrow with confidence.

Scotia Bank: Leading Canadian bank, offering personalized mortgage services and competitive rates.
TD Canada Trust: Major financial institution providing diverse mortgage solutions and expert advice.
CMLS Financial: Independent mortgage provider, specializing in residential and commercial financing.
MCAP: Top mortgage finance company, offering residential and commercial products and services.
First National: Canada's largest non-bank lender, focusing on tailored residential and commercial mortgages.
Manulife: International financial group, providing mortgages through Manulife Bank division.
BlueShore Financial: BC-based institution, offering personalized mortgage solutions in Western Canada.
Canadian Western Bank: Full-service bank specializing in business banking and tailored mortgage solutions.
ICICI Bank: Indian multinational's Canadian subsidiary, providing tailored mortgage products.
Lendwise: Canadian lender with competitive rates, flexible terms, and various mortgage options.
Marathon Mortgage: Specializing in residential financing, innovative solutions, and personalized service.
Merix Financial: Mortgage lender focused on flexible and customized solutions for clients' needs.

Invest in Your Knowledge. Learn More About Rates.

Become a better informed borrower by visiting our Info Hub