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Welcome to Canada Mortgage Rates
Canada's most complete mortgage platform — free, AI-powered, and built for every province. Compare rates, calculate payments, discover first-time buyer programs, and connect with experts.
🏦 20+ Lenders🌍 All 10 Provinces🤖 AI-Powered💰 Always Free
Live Mortgage Rates
Compare rates from 20+ banks and credit unions across all 10 provinces. Updated daily via AI-powered web search.
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Mortgage Calculators
Payment, affordability, rent vs buy, renewal savings, and stress test — all in one place.
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Property Tax Estimator
Estimate your annual property tax based on your home value and city across every province.
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Home Insurance
Compare quotes from Canada's top insurers — Intact, Aviva, Desjardins, and more.
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Personalized Rate Finder
Answer 5 quick questions and get your estimated mortgage rate range based on your profile.
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First-Time Buyer Programs
Federal and provincial programs — FHSA, HBP, LTT rebates, and new 2026 incentives.
Open First-Time Buyers →
Mortgage & Real Estate News
AI-curated news for your province — BoC decisions, market updates, and rate forecasts.
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Home Listings Search
AI-powered property search across Canada. Find homes by city, type, beds, and price.
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Learn & Education
Fixed vs variable, stress test guide, CMHC explained, FHSA complete guide, and more.
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Free Consultation
Connect with a licensed mortgage professional — free, no obligation, within 1 business day.
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⚠️ Important Disclaimer
Canada Mortgage Rates is not a licensed mortgage broker, lender, or financial advisor. All rates and calculator results are for informational purposes only and may not reflect your actual qualified rate. Always verify rates directly with the financial institution and consult a licensed mortgage professional before making any financial decisions.