Disclaimer

What Estima.ca is not

• Estima.ca is not a lender.
• Estima.ca is not a mortgage broker.
• Estima.ca is not a bank or financial institution.
• Estima.ca does not provide financial, legal, tax, accounting or investment advice.
• Estima.ca does not arrange, approve, fund or guarantee any mortgage or loan.

About the rates shown

Mortgage rates shown may include sample rates, posted rates, manually verified rates, official benchmarks (e.g. Bank of Canada) and marketplace rates from third parties.

Rates may be delayed, approximate or out of date. They are not offers and do not guarantee any lender will provide the same rate or terms to you.

Your actual rate depends on many factors

• Lender approval and underwriting.
• Credit profile, score and history.
• Income, employment and debt servicing ratios.
• Down payment size and source of funds.
• Property type, use, location and appraised value.
• Mortgage default insurance (CMHC, Sagen, Canada Guaranty) where required.
• Amortization, term and rate type (fixed or variable).
• Provincial regulations, taxes and fees.

Verify before you decide

Always verify mortgage rates, eligibility, fees, penalties and terms directly with a qualified lender, licensed mortgage broker, lawyer, notary or accountant before signing any agreement.