Educational content only. TopRates.ca is not a licensed mortgage broker under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA). For personal mortgage advice, consult a licensed mortgage agent or broker.
Rates coming at launch
We’re standing up the rate-data feed in partnership with a registered mortgage brokerage. Until that’s in place, this page is editorial: how mortgages work, how to evaluate a broker’s offer, and what the stress test actually measures. When the table goes live, every rate will be sourced and timestamped.
Notify me when rates are liveRun the numbers before you sign.
Mortgage payment
What will your monthly payment be at a given rate, amortization, and balance?
Open calculator →Affordability
How much house can you qualify for, given income, debts, and the stress test?
Open calculator →CMHC insurance
Estimate the default-insurance premium on a high-ratio mortgage.
Open calculator →Land transfer tax
Provincial and municipal land transfer taxes owed on closing day.
Open calculator →From your situation to a registered broker.
Mortgage referrals on TopRates.ca are made under Ontario’s MBLAA referral arrangement exemption to a registered mortgage brokerage partner. We are not a registered mortgage brokerage; we do not provide mortgage advice.
Tell us about you
A short form: income, down payment, target neighbourhood. No credit pull yet.
See illustrative options
We outline the rate categories you can expect to qualify for and the trade-offs (fixed vs. variable, term length, lender type).
Referral to a broker
If you want to proceed, we refer you to a registered mortgage brokerage partner under Ontario MBLAA referral exemption. The broker handles the file from there.
Compare & choose
Your broker shops the file across multiple lenders and presents the options. The choice of lender and product stays with you.
Compare your options.
Mortgage rate-data and broker matching launch later this year. Join the waitlist for first-look access and the editorial guide series.
Join the waitlistMortgage question?
Send us a note and we’ll be in touch within one business day. Mortgage inquiries are referred to a registered partner under MBLAA referral exemption.