Leading Rates, Fast Approvals, and Expert Guidance

Unlock the lowest mortgage rates and the best products in minutes, completely free.

Find My Rate

The ratebuzz advantage

Find the best option for you

You get to stay informed on the best mortgage products in the market, because the right product is as important as a low rate.

Apply in 5-10 minutes

You save time with our digital mortgage process, quicker than any bank or broker.

Completely free

You are never charged a fee to close your mortgage through ratebuzz. Our commission-free advisors offer unbiased advice and service.

Today’s best mortgage rates

Variable rate

3.89%

5-year Variable
Fixed rate

3.69%

5-year fixed
Find My Rate

Mortgage features matter

Saving 0.20%-0.30% on an interest rate does not help if you pick a mortgage with:

Insufficient prepayment options

Limited options to port the mortgage

No refinancing capabilities during the term

Mortgage restriction

High rates on variable conversions

High penalties

High discharge fees

The wrong term

With Ratebuzz, you get to find the lowest overall cost of borrowing, not just the lowest rate.

Our lenders

Get Started

and

60+

more

Our lenders

Get Started

and

60+

more

How it works

1.

Find the lowest rate

Our technology lets you scan the entire market for the lowest possible mortgage rates that fit your scenario.

2.

Apply online or via telephone

Apply in 5-10 minutes through our fully digital process, and have our mortgage experts reach out to discuss the best product for you.

3.

Take care of everything digitally

Upload your documents directly to our secure online portal, from either a phone or a computer. Once you get approved, you can even sign digitally. No paperwork needed.

4.

Close your mortgage

Our experts take care of the rest so you can save thousands quickly and conveniently.

For Buyers For Owners
  • Find the best rates available
  • Get in touch with a Ratebuzz advisor to help guide you through the home buying process
  • Learn about the different options and products available
Find My Rate
  • Constant updates on rate decreases
  • Find the best rate and product for your renewal/refinance
  • Get new insight into the ever-changing mortgage market
Find My Rate

Mortgage Academy

See all

Become a mortgage expert with our guides and press releases

Your questions answered

Feel free to visit our resources page where we answer frequently asked questions. Don’t see the question you’re looking for? Reach out to let us know what you need help with!

Ratebuzz is a completely free service to help you find the best mortgage option for your needs.

Banks often prioritize their own interests over yours, leaving you to negotiate for a better rate. Additionally, some banks may not offer the most competitive rates or products, limiting your options. Ratebuzz, on the other hand, compares rates and products from multiple banks and lenders, ensuring you're presented with the best options without any bias. This means no more haggling to get the best deal. Plus, with Ratebuzz, you can manage everything online—no need to step into a bank office.

Ratebuzz works with over 40 lenders, including BMO, Scotiabank, TD Bank, First National, MCAP, MCAN, Equitable Bank, Meridian, Duca, RFA, CMLS, and more.

No, our lending partners do not pull your credit report immediately after you submit your online application. First, they will contact you by phone to confirm the details. Afterward, they will get your consent to pull your credit when you are ready to submit the application. Only after receiving your consent will they proceed with the credit check.

When you submit your application through Ratebuzz, it is processed by our in-house mortgage brokerage, 6ix Mortgage Group -Mortgage Architects. They are experts in handling mortgage applications and work closely with Ratebuzz to ensure you get the best possible options. Once we receive your application, 6ix Mortgage Group - Mortgage Architects will review the details and guide you through the next steps to secure the best mortgage solution for your needs.

Ratebuzz currently serves as a rate comparison site for those in Alberta, Ontario, and British Columbia.

Using Ratebuzz’s online platform offers convenience, transparency, and speed. You can easily compare mortgage rates from multiple lenders, apply at your own pace, and track your application progress all online—without needing to visit an office. The platform is secure, simple to use, and gives you access to a wide range of mortgage options, all while ensuring there are no hidden fees or pressure to make a decision. Plus, you’ll receive real-time updates and ongoing support throughout the process.

The best rate, everytime

Low Rate Guarantee

or

$500*