Every mortgage type, every Canadian lender, in one place. We don't sell mortgages — we show you the math, the rules, and which of the 5 paths fits your situation. Including the one most competitors skip: second mortgages, when you need real cash fast.
Rates from Big 6 + 30 lenders, refreshed daily. BoC policy: 2.25%.
Pick the situation that matches yours. Each spoke is a deep-dive with its own calculator and lender shortlist.
FHSA + HBP + new 30-yr amort — up to $100k of government help.
Break early when the rate drop beats the penalty — $312/mo avg saved.
Posted vs discounted gap costs the average bank-renewer $10,200.
Revolving line · only pay interest on what you draw · from 4.95% APR.
Private + B-lender money · funded in 5-10 days · any credit OK.
A · B · Private — 3 tiers of lenders, one accepts you. Plus the 24-mo path back.
Move the sliders to see your real payment, total interest, and what you can afford under today's stress test.
Refreshed every morning at 6 AM ET from Big 6 banks and 30+ broker-network lenders.
If you've built equity, you have options the average lender won't fully explain. Here's all five, with the one for emergencies highlighted.
Alpine approves based on your home's equity, not your credit score or income. Self-employed, between jobs, recently discharged from bankruptcy, divorcing — approved within 24 hours, funded inside a week.
Representative APR: 9.99% – 18.99% based on equity profile. 1-3% lender fee + appraisal + legal. Available BC, AB, ON. Terms 6 months to 5 years (interest-only with balloon).
All federally-regulated lenders must qualify you at the higher of 5.25% or your contract rate + 2%. We back-calculate both GDS and TDS ratios to give you the real number.
The bank's penalty (IRD or 3-months interest) is what determines this. We do the break-even math in seconds.
Buying your home? Surprise — the province wants a slice. It can run from $0 (Alberta, lucky you) to over $30,000 (Toronto, sorry). Forget to budget for this and your closing day goes sideways.
Toronto homes add a municipal LTT (roughly equal to provincial).
Big 6 banks, online brokers, B lenders for non-prime, and private 2nd mortgage lenders for fast equity unlock.