Canada's Lowest Rates, Found in minutes.
We shop every bank, credit union, and monoline lender in Canada — and present your best rate in 30 minutes. No SIN. No hard credit check. Completely 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 and province. No SIN required. Takes under 2 minutes.
2.
We Shop Canada's Market
We contact banks, credit unions, and monoline lenders on your behalf and present your best options within 30 minutes.
3.
You Pick, We Close
Choose your rate. Our specialists handle every piece of paperwork and every lender call through to closing.
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.
From first-time purchases to refinancing and construction — we have the lender relationships to get you the lowest rate.
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 market rates.
Mortgage Renewal
Don't auto-renew with your bank. Switching at renewal is free and could save you thousands.
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. Deep expertise across Canada.
CMHC Guide &
Payment Calculator.
If your down payment is less than 20%, CMHC mortgage insurance is required. Here's what you'll pay based on your down payment percentage.
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.
CME saved us over $18,000 on our mortgage renewal. Our bank offered us 5.2% and CME found 4.45% in literally 10 minutes. Couldn't be more impressed.
The automation capabilities are incredible. We've saved countless hours and improved our customer engagement significantly.
The analytics and reporting features give us insights we never had before. Our conversion rates have improved by 40%.
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.
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.
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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