The LOWEST rate and the BEST rate are rarely the same. The Rate Game educates you on what rates are attainable to you and why. As you play, rates that don’t apply to you disappear. It’s simple, you’ll be left with YOUR lowest rates.
Your creditworthiness is extremely important when applying for a mortgage.
If you have ‘good credit’ great, carry on!
If you might not, click ‘not sure’.
Having poor credit doesn’t mean you can’t get a mortgage, it just means your down payment and rate will likely be higher. Please contact us so we can help to explain things to you directly.
Fixed means your interest rate remains the same throughout the term of the mortgage regardless of fluctuations in the market, while variable implies that your rate and payment will change throughout your term with the market.
Your best rates are below! Click on each one to see the detailed features.
Basically, are you trying to become a Real Estate Mogul?
Unfortunately, many lenders won’t give you a mortgage if you own more than four properties. Contact us and we’ll discuss your options!
Restricted rates can be lower because you’re giving up standard features for a “deal”. Not all restrictions are bad, but they’re not for everyone. Restrictions may include: inability to leave a lender without a bona fide sale, increased discharge penalties, restricted prepayment amounts, etc.
Here are your best rates so far, let’s keep going!
The more questions you answer, the more accurate your rates will be.
Different rates apply to purchasing a property versus a mortgage renewal or refinancing.
Believe it or not, if you have less than 20%, you’ll often get a slightly better rate because it will be insured – this shifts the risk burden away from the banks.
Often, homes will fetch better rates than condos. It depends on the prevailing market conditions, so let’s find out what you can get!
The best rates always tend to be offered on owner occupied properties rather than rental properties. What will your property be?
Different rates are good for different periods of time, so let’s see what your dates will get you. (An appealing rate may expire before you’re ready but new rates become available over time too!)
Darn! That’s a little too far out to get a rate. Typically, the longest period a rate is good for is 120 days.
Your best rates are below. Click on each one to quickly see the features and you can decide what makes the most sense for YOU!
Unfortunately, we have no rates today that match your criteria!
Since rates change often, EMAIL us and we will let you know when they change!