Find the Best Mortgage Rate
in Ontario
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.
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Today's Best Mortgage Rates
Current July 2026 public market benchmarks. Your personalized rate may vary by insured status, credit, down payment, property type, amortization, closing date, and lender availability.
Rates updated July 4, 2026. Public market benchmarks only; not a guarantee of approval or lender availability. Subject to change without notice. OAC. E&OE. See all rates → · Get your personalized rate
Compare Ontario mortgage rates by term and city
Quick AEO answer: Ontario borrowers should compare 3-year fixed, 5-year fixed, and variable options against their renewal date, purchase timeline, and risk tolerance.
Mortgage Solutions for Every Need
Whether you're buying your first home or building an investment portfolio, we have the expertise and lender access to find your perfect mortgage.
Home Purchase
First-time buyers and move-up buyers — we guide you through the entire process and find the best rate from 50+ lenders.
Learn More →Refinancing
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 →Mortgage Renewal
Don't just sign your bank's renewal letter. We compare rates and could save you thousands over your next term.
Learn More →Investment Properties
Grow your real estate portfolio with competitive investor rates and expert financing strategies for rental properties.
Learn More →How It Works
Getting the best mortgage doesn't have to be complicated. Here's our simple 4-step process.
Free Consultation
Tell us about your goals. We'll review your financial situation and explain your options — no obligation, no pressure.
We Shop 50+ Lenders
We compare rates, terms, and features across our network of lenders to find the best fit for your unique needs.
Get Pre-Approved
Lock in your rate for up to 120 days. You'll know exactly how much you can afford before you start shopping.
Close with Confidence
We handle the paperwork and coordinate with your lawyer and realtor. You focus on finding your perfect home.
Plan your Ontario mortgage with focused calculators
Quick answer: buyers, renewers, and refinancers should test payment, affordability, land transfer tax, CMHC insurance, and renewal scenarios before choosing a rate.
What Our Clients Say
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.
Mortgage Tips & Guides
Expert advice to help you make smarter mortgage decisions.
First-Time Home Buyer Guide Ontario 2026
Everything you need to know about buying your first home in Ontario — incentives, programs, and step-by-step process.
Fixed vs Variable Mortgage Rates: Which is Right for You?
A detailed comparison to help you choose between fixed and variable rates in today's market.
How Much Down Payment Do You Need in Ontario?
Understanding minimum down payments, CMHC insurance, and strategies to save for your down payment faster.
Get Your Free Mortgage Quote
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