Canada's Lowest
Mortgage Rates,
Found in Minutes.
Our team shops Canada's entire mortgage market for you — banks, credit unions, and monolines — so you get the lowest rate without the legwork. No SIN. No hard credit check. Free.
$1.8B+
CAD Secured in 2024
12K+
Canadians Helped
4.9★
Google Rating
Get Your Best Rate Today
Takes under 2 minutes · No SIN required
You're all set!
Our team is now working on your rate. A specialist will call you within 30 minutes with your best options.
Canadian Specialists
CMHC Expertise
PIPEDA Compliant
Rates Updated Hourly
No Hard Credit Pull
Canadian
Specialists
CMHC
Expertise
PIPEDA
Compliant
Rates
Updated Hourly
No Hard
Credit Pull
Your Best Rate in 3 Simple Steps.
Tell us what you need. Our team does the heavy lifting - you just pick the rate you love.
1.
Tell Us Your Situation
Answer a few quick questions about your property, province, and finances. No SIN required. Takes under 2 minutes.
2.
Our Team Gets to Work
We shop Canada's entire mortgage market — banks, credit unions, and monoline lenders — and present your best options within 30 minutes.
3.
You Pick, We Close
Choose the rate that works for you. Our specialists handle all paperwork, lender communications, and closing — start to finish.
Today's Best Rates Across Canada.
Refreshed hourly by our rate team. Select your province to see today's best available rates.
Every Canadian Mortgage Type, Covered.
Our team is experienced across every mortgage type — we'll find the right product and the lowest rate for your situation.
Fixed Rate
Locked rate and payment for the full term. Perfect for budget certainty against rate movements.
Variable Rate
Tracks the Bank of Canada prime rate. Historically lower than fixed, with the option to lock in anytime.
CMHC Insured
For buyers with 5–19.99% down. Government-backed insurance gives access to the lowest available market rates.
Mortgage Renewal
Don't auto-renew with your bank. Switching at renewal is free and could save you thousands over the next term.
Refinance
Access up to 80% of your home's value to consolidate debt, fund renovations, or invest in more property.
Construction
Finance a custom-built home with staged draws tied to milestones. Our team has deep expertise in construction financing across Canada.
CMHC Guide &
Payment Calculator.
Two tools every Canadian home buyer needs — side by side.
5% – 9.99% Down
Minimum down payment required
4.00%
10% – 14.99% Down
Minimum down payment required
4.00%
5% – 9.99% Down
Minimum down payment required
4.00%
5% – 9.99% Down
Minimum down payment required
4.00%
Payment Calculator
Trusted coast to coast.
Over 50,000 Canadians have found their best mortgage rate with CME. Here's what they say.
The OYE team found us a rate 0.6% below what RBC quoted for our renewal. That's thousands back in our pocket every year. Fast, professional, and genuinely impressive
First-time buyer in Toronto — everything felt overwhelming until I called OYE. Their team walked me through every step and we had our keys in 18 days. Absolutely incredible.
OYE handled my refinance in Calgary completely online. Their team beat TD's retention offer and managed all the paperwork. No branch visits, no stress. Outstanding from start to finish.
Stop paying your
bank's rate.
We'll find better.
Canadians leave an average of $12,000 on the table by auto-renewing. Our team shops Canada's entire mortgage marke — so you don't have to.
Stop paying your
bank's rate.
We'll find better.
Canadians leave an average of $12,000 on the table by auto-renewing. Our team shops Canada's entire mortgage marke — so you don't have to.
Stop paying your
bank's rate.
We'll find better.
Over 50,000 Canadians have found their best mortgage rate with CME. Here's what they say.
Canada's leading mortgage brokerage. We shop 50+ lenders to get you the lowest rate — guaranteed.
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