RateStreet — Simply Canada's Best Mortgages

Yes! Now your best mortgage is this easy.

Beat the banks! Apply in minutes. Get expert advice, fast approvals, and save more money. No broker fees, and free appraisal rebates.*

Standard mortgage rates — not applicable to reverse mortgages

Expert advice that feels like talking to a knowledgeable friend — not a spreadsheet.

Mortgages are profitable and when it comes to making profits, “your bank” isn't your bank. They don't work for you. We do.

Imagine knowing every banks' rates and real life lending policies, and the one that suits you and your goals the best. That's what we do — at no cost to you. Apply in minutes to get started, or book a free call with one of our experienced Mortgage Advisors.

Make confident decisions with our free Canadian mortgage calculators.

Over 55? Let Your Home Fund The Retirement You Deserve — Without Moving, or Monthly Mortgage Payments

If you're 55 or older, a reverse mortgage lets you access the equity you've built — as tax-free cash. You stay living in the home you love — with no monthly mortgage payments.

2 minutes · no credit impact · no obligation

No jargon — just what actually matters for your decision.

The experiences families tell us about, again and again.

"Our broker found us a meaningfully better rate than our bank's renewal letter — and explained exactly why."

"I was nervous about refinancing but the team walked me through every step, start to finish."

"The reverse mortgage information was presented clearly and without pressure. My husband and I felt completely comfortable with the process."

RateStreet is a Canadian mortgage company — expert advice and better rates for purchase, refinance, renewal, and reverse mortgages, backed by 25+ years of experience.

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Not sure where to start? Chat with us right on the site — ask about rates, qualifying, or your options.

With the Bank of Canada easing, variable rates have grown more competitive — but fixed still offers certainty. The right choice depends on your timeline and comfort with change. We'll talk it through before you decide.

Most Canadians just accept their lender's renewal letter — and renewal offers are rarely the lender's sharpest pricing. Start shopping about 4 months before your renewal date and keep your options open.

You generally qualify at your rate + 2% (or 5.25%, whichever is higher). It affects how much home you can afford — and there are smart, legitimate ways to structure your application.

Our broker found us a meaningfully better rate than our bank's renewal letter — and explained exactly why.

I was nervous about refinancing but the team walked me through every step, start to finish.

The reverse mortgage information was presented clearly and without pressure. My husband and I felt completely comfortable with the process.