How It Works is dedicated to providing Canadians easy access to the best mortgage rates in Canada.

This page will help you understand how you can use our tools and resources to search and compare the current mortgage rates in your province. Find out how the online mortgage application process works and get started today!

Step 1

Search and Compare The Best Mortgage Rates in Canada

Buying a home? Get one of the top mortgage rates in Canada and save yourself up to $250/month on your mortgage! Start by entering in your mortgage amount and selecting the mortgage product you’d like to compare. Then refine your search by choosing a mortgage term, amortization period, and your province. Finally, the mortgage rate chart will display a list of the best mortgage rates in your area based on the criteria of your search.

Step 2

Apply for a Mortgage From The Comfort of Your Own Home

Applying for a mortgage shouldn’t have to be a complicated process. Our easy online application form allows you to apply for the best rates from the comfort and privacy of your own home. Simply click on the mortgage rate that best suits your needs to apply for a mortgage.

Step 3

Receive a Personalized Mortgage Quote

Once you fill out the online mortgage application, the lender or mortgage broker offering the rate will reach out to you. The lender or broker will guide you through the rest of the mortgage process should you choose to accept the rate and terms offered. Remember, the entire process is completely free and there is absolutely no obligation.

Step 4

Save Money by Comparing Mortgage Rates

We believe that Canadians deserve easy access to the best mortgage rates in the country. A shocking 50% of Canadians choose a mortgage provider without comparing the current rates from multiple lenders and brokers. When lenders and mortgage brokers compete for your business, it drives rates down. If you can save up to $250 per month on your mortgage just by shopping around for the best rate, why wouldn’t you? It is a no brainer!

Step 5

Fast, Safe & Secure

At, we strive to constantly refine our service so that we can provide the best mortgage experience possible. When you use the tools and resources on our website, you can be sure that your personal information will remain confidential. We use a 256-bit SSL certificate to encrypt and protect your personal information.

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