Ontario's rate-floor specialist · est. 2002 · Markham
8.7/10
★ #1 POSTED RATES · ONTARIO
We compared Butler against Nesto, Pine, and the Big-6 for an insured 5-year fixed renewal in Toronto. Butler won by 0.05% at 4.54% vs Nesto at 4.59%. Process was 100% email/portal, no advisor calls required. TL;DR: if you\'re an A-credit borrower in Ontario buying with an insured mortgage, Butler is probably the cheapest available rate in Canada.
★ THE SCORECARD ★
How we arrived at 8.7/10
Rates9.7/10
Often #1 on RateHub and RatesDotCa comparison sites — usually 0.05% under Nesto on insured 5-year fixed.
Tech / UX7.5/10
Functional online intake, mostly email-driven after. No fancy dashboard like Pine.
Customer service8.5/10
Trustpilot 4.7 ★. Responsive but transactional — not white-glove like Homewise.
Lender network7.5/10
40+ A-lenders. No B-lender or private. Insured-only specialist.
Ontario A-credit buyers with 5–20% down on an insured purchase
Renewal shoppers wanting the absolute lowest insured 5-year fixed
Email-comfortable buyers who don't need phone handholding
Anyone whose file is "textbook" — clean income, good credit, no surprises
✗ LOOK ELSEWHERE
Self-employed, post-bankruptcy, or thin-file borrowers
Out-of-Ontario buyers (referred to partner brokers anyway)
Anyone who wants a B-lender or private mortgage
Buyers who want an advisor walking them through every line
★ FREQUENTLY ASKED ★
Quick answers
8.7/10
FINAL VERDICT
Cheapest insured rate in Ontario, period.
If your file is clean and you\'re in Ontario, Butler is almost certainly your lowest available rate. Trade-off: minimal handholding. Worth a quote for any A-credit purchase or renewal.