Stop Paying
Retail Rates.
Banks have "Posted Rates." We have "Wholesale Rates." By accessing the broker channel, you unlock insider pricing from 50+ lenders, saving the average Ontario homeowner $12,000+ per term.
Live Insured Rates
View All Lenders5-Year Fixed
Insured Promotion
3.84%
Bank: 5.09%
5-Year Variable
Insured Adjustable
3.29%
Bank: 4.54%
3-Year Fixed
Insured Short-Term
3.79%
Bank: 5.04%
*Rates for High-Ratio (Insured) Mortgages. OAC.
See Today's Full SheetThe "Wholesale" Advantage
Volume Discounts
Banks have massive overhead (branches, staff). We are a digital-first brokerage funding millions in volume. Lenders give us "bulk pricing" to win our business, which we pass to you.
Fiduciary Duty
A bank specialist works for the bank. Their job is to maximize the bank's profit. We work for you. Our job is to minimize your interest costs and protect your equity.
Monoline Lenders
We access "Monoline" lenders (like MCAP, First National) who don't have branches. They offer lower rates and significantly lower penalties than the Big 5 Banks.
Financial Toolset
Don't guess. Use our institutional-grade engines to stress test your affordability, taxes, and penalties.
Payment Calculator
The gold standard. Calculate monthly payments with accurate CMHC premiums, amortization schedules, and stress-test scenarios.
Run ScenarioLand Transfer Tax
Buying in Toronto or Ontario? Calculate the precise closing cost tax. Includes "First Time Home Buyer" rebates automatically.
Calculate TaxMax Affordability
How much house can you buy? Determine your maximum purchase price based on income, debts, and current B-20 stress test rules.
Check BudgetPenalty Estimator
Thinking of breaking your term? Estimate the IRD (Interest Rate Differential) vs. 3-Month Interest penalty before you refinance.
Check CostSmith Maneuver™
Advanced Strategy. Convert your non-deductible mortgage interest into tax-deductible investment loans.
Launch EngineTotal Closing Costs
Don't be surprised. Calculate Legal Fees, Title Insurance, Appraisal costs, and PST on CMHC insurance.
View TotalsMortgage Intelligence
Q. Should I choose Fixed or Variable in 2026?
It depends on your risk tolerance and the spread. Variable rates float with the Bank of Canada; if rates drop, you save immediately. Fixed rates offer insurance against hikes. Currently, with the yield curve inverted, Variable rates are popular for those betting on rate cuts, while 3-Year Fixed offers a safe middle ground.
Q. How does the Stress Test (B-20) work?
Federally regulated lenders must qualify you at the Contract Rate + 2% or 5.25%, whichever is higher. This reduces your purchasing power by approx. 20%. At IndiBrick, we also work with Credit Unions and Monoline lenders who may offer different qualification criteria.
Q. What is the minimum down payment in Ontario?
For homes under $500k, it is 5%. For homes between $500k-$999k, it is 5% on the first $500k and 10% on the remainder. For homes over $1M, you must put down 20%. Investment properties also strictly require 20% down.
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Start Online
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Launch PortalStrategy Call
I have a complex situation (Self-Employed, Multi-Property, Private) and need a human strategy session first.
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Direct access to a Senior Broker.