We compare 50+ lenders to get you the lowest rate and best terms. Save thousands on your mortgage — whether you're buying, renewing, or refinancing.
Rates updated daily. These are our lowest available rates — your rate may vary based on your financial profile.
Rates updated Feb 18, 2026. Subject to change without notice. OAC. E&OE. See all rates → · Get your personalized rate
Whether you're buying your first home or building an investment portfolio, we have the expertise and lender access to find your perfect mortgage.
First-time buyers and move-up buyers — we guide you through the entire process and find the best rate from 50+ lenders.
Learn More →Access your home equity, consolidate debt, or lower your rate. We'll crunch the numbers and show you how much you can save.
Learn More →Don't just sign your bank's renewal letter. We compare rates and could save you thousands over your next term.
Learn More →Grow your real estate portfolio with competitive investor rates and expert financing strategies for rental properties.
Learn More →Getting the best mortgage doesn't have to be complicated. Here's our simple 4-step process.
Tell us about your goals. We'll review your financial situation and explain your options — no obligation, no pressure.
We compare rates, terms, and features across our network of lenders to find the best fit for your unique needs.
Lock in your rate for up to 120 days. You'll know exactly how much you can afford before you start shopping.
We handle the paperwork and coordinate with your lawyer and realtor. You focus on finding your perfect home.
Join thousands of satisfied homeowners who saved money with Mortgage Wave.
"Mortgage Wave saved us over $12,000 compared to our bank's offer. The process was seamless and stress-free. Highly recommend to any first-time buyer in Toronto!"
"I was about to sign my bank's renewal letter when a friend suggested I call Mortgage Wave. They got me a rate 0.65% lower — that's saving me $180/month. Why didn't I call sooner?"
"As a self-employed business owner, I thought getting a mortgage would be impossible. Mortgage Wave found a lender that understood my situation and got me approved with a great rate."
Expert advice to help you make smarter mortgage decisions.
Everything you need to know about buying your first home in Ontario — incentives, programs, and step-by-step process.
A detailed comparison to help you choose between fixed and variable rates in today's market.
Understanding minimum down payments, CMHC insurance, and strategies to save for your down payment faster.
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