Leading Rates, Fast Approvals, and Expert Guidance

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

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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


5-year Variable
Fixed rate


5-year fixed
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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

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Our lenders

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How it works


Find the lowest rate

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


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.


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.


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 completely free. We do not charge any fees to help arrange a mortgage for our clients. Lenders pay us a finders fee directly for arranging the mortgage, at no cost to you.

Banks are always looking out for themselves before the client, and you may get stuck negotiating with your bank to bring your rate down. Some banks just don’t have the best rate or product available either, meaning that you are limiting yourself to their specific options. Ratebuzz compares rates and products with several banks and lenders without favoring one over the other. This means that you will not have to haggle just to get the best quote. With Ratebuzz you’ll never have to step foot into an office.

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

No. We do not pull your credit report without first getting in contact with you over the phone. After which, we will send you a credit bureau consent form to digitally sign which specifically authorizes us to pull your credit report for the purposes of the application. It is only then that we pull your credit report.

The best rate, everytime

Low rate Guarantee