Stop Overpaying
The Banks.
We bypass retail branches and connect you directly to 40+ wholesale lenders. Secure "Status Pricing" for your next purchase, renewal, or refinance.
Wholesale Rates
Last Updated: April 3, 2026
Insured Mortgages
For home purchases with less than 20% down payment.
5-Year Variable
4.85%
5-Year Fixed
4.09%
Insurable Mortgages (Renewals & Transfers)
For switching lenders with 20%+ equity (Max 25-Yr Amortization).
5-Year Fixed (< 65% LTV)
4.34%
5-Year Fixed (65% - 70% LTV)
4.39%
5-Year Fixed (70% - 80% LTV)
4.44%
5-Year Variable
4.95%
Uninsured Mortgages
For Refinances (pulling equity out) or 30-Year Amortizations.
5-Year Variable
5.20%
5-Year Fixed
4.64%
Rates fluctuate daily. The matrix above represents today's lowest available wholesale rates. They are subject to change without notice based on bond yields. Contact us to secure and lock your rate today.
Flexible Solutions
Business for Self • Credit Repair • Asset Based
"Story Over Score"
Perfect for entrepreneurs with strong cash flow but low taxable income, or those recovering from life events.
Check EligibilityAsset-Based Approval
We prioritize property equity over traditional income documents. Ideal for bridge financing or quick acquisitions.
View OptionsUnlock Equity
Keep your existing low-rate mortgage and add a second line for renovations, debt consolidation, or business capital.
Unlock CashRate 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.
Variable vs Fixed 2026
With the Prime Rate holding steady, the spread between our Variable and Fixed rates is historic. This suggests a unique opportunity for strategic borrowers to ride the rate curve down over the next 3 years.
What is an "Insurable" Mortgage?
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.
What is the penalty for breaking a fixed mortgage?
Breaking a fixed-rate mortgage typically triggers an Interest Rate Differential (IRD) penalty, which can cost tens of thousands of dollars if rates have dropped since you signed. Variable rate mortgages usually only have a straightforward 3-month interest penalty.
Can I get a 30-year amortization?
Yes, but it requires an Uninsured mortgage. You must have a 20% down payment (or 20% equity if refinancing). Uninsured rates are slightly higher than Insured rates, but the longer amortization drastically lowers your monthly payment.
Start Your Application
Choose how you want to proceed. Both options securely connect you to our underwriting team.
Secure Rate Hold
Submit your info to lock a rate for 120 days.