Stop Overpaying
The Banks.
We compare 40+ wholesale lenders to find "Status Pricing" that isn't available at your local branch. Purchases, Renewals, and Refinances.
Prime Rates
Comparing "Big 5" Posted Rates vs. IndiBrick Exclusive Channels.
Lowest Insured Rate
3.39%*
| Term / Product | IndiBrick Rate | Your Savings | Action | |
|---|---|---|---|---|
| Insured / Purchases (Less than 20% Down) | ||||
5-Year Variable Insured (Default) | 3.39% | -2.71% | Apply | |
5-Year Fixed Insured | 3.64% | -1.20% | Apply | |
3-Year Fixed Insured | 3.69% | -1.46% | Apply | |
| Insurable / Renewals & Transfers (25-Year Amortization) | ||||
5-Year Variable Insurable | 3.70% | -2.60% | Apply | |
5-Year Fixed Insurable | 3.94% | -1.10% | Apply | |
3-Year Fixed Insurable | 3.74% | -1.61% | Apply | |
| Uninsured / Refinances & 30-Year Amortization | ||||
5-Year Fixed Uninsured | 3.95% | -1.39% | Apply | |
5-Year Variable Uninsured | 4.10% | -2.25% | Apply | |
*Comparison based on Big 5 Bank Posted Rates vs IndiBrick Exclusive Partner Rates. Updated Daily.
Flexible Solutions
Business for Self • Credit Repair • Asset Based
"Story Over Score"
Banks rely on algorithms; we rely on common sense. Perfect for entrepreneurs with strong cash flow but low taxable income, or those recovering from life events.
- Extended Income Ratios
- 12-Month "Credit Rehab" Plan
Asset-Based Approval
We prioritize the equity in your property over traditional income documents. Ideal for bridge financing, quick acquisitions, or irregular income streams.
- Lenient Income Requirements
- Fast & Flexible Terms
Unlock Equity
Keep your existing low-rate mortgage and add a second line for renovations, debt consolidation, or business capital.
- Up to 85% LTV
- Interest-Only Options
Rate Strategy
The lowest rate isn't always the best mortgage. Penalties, portability, and restriction clauses can cost you thousands. We strip away the marketing fluff to find the true cost of borrowing.
IndiBrick Insider Tip:
Variable vs Fixed 2026: With the Prime Rate holding at 4.45%, the spread between our 3.39% Variable and Fixed rates is historic. This suggests a unique opportunity for borrowers to ride the rate curve down.
What is an "Insurable" Mortgage vs "Insured"?
Insured: For purchases with less than 20% down payment. You pay the default insurance premium (CMHC), which gives you access to the absolute lowest rates.
Insurable: For Renewals and Refinances with 20%+ equity, a 25-year maximum amortization, and a property value under $1 Million. The lender pays the insurance premium in the background, allowing them to offer you a significantly lower rate than an Uninsured mortgage.
Why is the B-Lender rate higher?
B-Lenders (Alternative Lenders) take on higher risk by accepting clients with bruised credit or self-employed income that isn't fully declared on taxes. The rate premium (4.79% vs 3.39%) acts as insurance for the lender.
How fast can a Private Mortgage close?
Extremely fast. Because Private Lenders focus on the property value (Equity) rather than your income documents, we can often issue a commitment letter in 24 hours and fund the deal in as little as 3-5 business days.
Lock Your Rate.
Rates change daily. Submit a pre-approval request to hold this 3.39% rate for 120 days while you shop.
Secure Rate Hold
No credit check required for estimate.
*Rates shown are for informational purposes only and subject to change without notice.3.39% Variable applies to High-Ratio (Insured) mortgages with less than 20% down payment.3.94% Fixed applies to Insurable renewals/transfers with 25-yr amortization.4.79% B-Lender rate requires 20% down payment and 1% lender fee.5.49% Private rate is interest-only, based on 65% LTV, 1-year term. APR (Annual Percentage Rate) will vary based on fees and term length.