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🍁Expert insights & breaking mortgage news
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Just straight answers and real solutions.
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Current Rates
Compare the most competitive mortgage rates form leading Canadian lenders.
Calculators
Calculate payments, affordability, prepayment options and more with the really easy to use tools.
Learning Library
Access resources, guides and infographics that simplify complex mortgage concepts.
Current Mortgage Rates
We showcase both featured rates from trusted lenders and the best available rates for common mortgage scenarios
like purchases, renewals, and refinances.
That means you get a clear view of your real options, no gimmicks, no guesswork.
.
Just straightforward, competitive rates tailored to your needs.
Featured Rates
Rates For Common Borrowing Scenarios
We highlight our best rates for real-life mortgage situations;
like buying your first home, refinancing, or renewing.
No one-size-fits-all pricing, just competitive rates that actually fit your plans.
Great Rates
- Purchase Only
- $500,000 Minimum Loan Amount
- High Ratio or Less than 65% LTV
Terms and Conditions Apply
- Purchase
- No Minimum Loan Amount
- High Ratio
Terms and Conditions Apply
- Conventional Mortgage
- Up to 30 Year Amortization
- 650 Min. Credit Score
Terms and Conditions Apply
- High Ratio Insured Mortgage
- 2% Cash Back
- 650 Min. Credit Score
Terms and Conditions Apply
- High Ratio Insured Mortgage
- Prime - 0.65%
- 120 Rate Hold
Terms and Conditions Apply
- No or Low Lender Fee
- 120 Day Rate Hold
- Up to 30 Year Amortization
Terms and Conditions Apply
- <50% Loan to Value
- Up to 30 Year Amortization
- Extended Ratios Available
Terms and Conditions Apply
- 90 Day Rate Hold
- Up to 80% Loan to Value
- <580 Credit Score Accepted
Terms and Conditions Apply
- Prime + 1.99%
- Ideal for self-employed, contractors and commission sales people
- 650 Min. Credit Score
Terms and Conditions Apply
- Owner Occupied Primary Residence
- 680 Min. Credit Score
- 90 Day Rate Hold
Terms and Conditions Apply
- Credi scores from 550 - 599
- Extended Ratios up to 55/55
- Verifiable Income
Terms and Conditions Apply
- Credi scores from 640 - 679
- Extended Ratios up to 50/50
- Up to 35 Year Amortization
Terms and Conditions Apply
- No Minimum Credit Score
- No Income Documents Required
- Up to 75% LTV
Terms and Conditions Apply
- No Minimum Credit Score
- No Income Documents Required
- Up to 75% LTV
Terms and Conditions Apply
- No Minimum Credit Score
- No Income Documents Required
- Up to 65% LTV
Terms and Conditions Apply
Mortgage rates displayed are for informational purposes only and are subject to change at any time and without notice. Actual rates may vary based on creditworthiness, income verification, property details, loan purpose (purchase, refinance, or renewal) and other factors. All applications are subject to full underwriting and lender approval. Not all applicants will qualify for the lowest advertised rates.
Latest Mortgage News
Stay informed with the latest mortgage news that actually matters. We break down key rate changes, policy updates, and market trends, all in plain language.
No fluff, just fast facts for smart mortgage shopper who like to stay one step ahead.
Stay informed with the latest developments in the Canadian mortgage market.
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Transparency Statements and Legal Disclaimers
Last updated: June 14, 2025
This website, operated under the brand MalcolmtheMortgageGuy.ca, provides general information, tools, and services related to Canadian mortgages. The following disclaimers apply to all content, interactions, calculators, and tools provided on this site.
Malcolm Stoffman
Mortgage Broker (M18002114)
Real Mortgage Associates Inc. (FSRA 10464)
905-517-4228
1. Informational Purposes Only The information presented on this website, including chatbot responses, calculators, guides, and blog posts, is intended for general informational purposes only. It is not intended as financial, legal, tax, or mortgage advice and should not be relied upon as such. Please consult a qualified professional before making any mortgage or financial decision. 2. No Broker-Client Relationship Accessing or interacting with this website does not create a broker-client relationship. A formal relationship with Malcolm the Mortgage Guy, or any licensed representative, is only established upon execution of a written agreement and formal submission of a mortgage application. No fiduciary duty arises from the use of this site or its tools. 3. Mortgage Rate Information All rates displayed on this website, including featured or “best” rates, are subject to change without notice. Rates may vary depending on the type of borrower, mortgage product, property, credit profile, and other factors. Not all users will qualify for displayed rates, and eligibility is determined by full lender underwriting. Featured rates may include promotional offers or represent lenders who pay to be highlighted. We make every effort to clearly identify such placements. 4. Approvals Subject to Underwriting Any pre-qualification estimates or affordability projections provided through this site or its chatbot are based on limited user input and general lending criteria. Final mortgage approvals are conditional upon full documentation review, credit verification, income confirmation, and lender assessment. No guarantee of approval is provided or implied. 5. AI and Chatbot Content Some interactions on this site are powered by artificial intelligence (AI) for the purpose of answering common mortgage questions and simulating mortgage scenarios. While trained on expert data and Canadian mortgage rules, the AI may occasionally generate simplified, outdated, or incorrect information. Important: Not all AI content is reviewed or verified for accuracy. Always cross-reference critical advice or results with a licensed professional. 6. Accuracy and Timeliness of Information We strive to ensure the accuracy, reliability, and timeliness of all information posted on this website. However, mortgage rules, rates, and regulations are subject to change at any time. We make no guarantees regarding the completeness or ongoing accuracy of content, and accept no liability for errors or omissions. 7. Advertising and Compensation Malcolm the Mortgage Guy may receive compensation from lenders and partners for funded mortgage transactions. In addition, we may feature paid advertisements, sponsored rates, or affiliate content. Sponsored placements are designed to be transparent and clearly marked where applicable. 8. Third-Party Content and Tools This website may link to third-party websites or embed external content such as news feeds, calculators, or financial tools. We do not control or guarantee the accuracy, privacy, or security of any third-party content or platforms. 9. Privacy and Data Use By using this website, you acknowledge and agree to the terms of our [Privacy Policy], which outlines how personal information and website data are collected, stored, and used. Any data you voluntarily submit, such as through a chatbot or calculator, may be used to improve user experience or to provide follow-up assistance. 10. Jurisdiction and Compliance This website is intended for use by residents of Ontario, Canada, and complies with applicable mortgage regulations within that jurisdiction. Use of this site from other provinces or countries is not guaranteed to comply with local laws or lending practice
Current Rates
Calculators
Mortgage News
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I know that I'm asking a lot, but I would be very grateful for a quick review.
Even a really quick review would help.
Thanks in advance.